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Family Health Insurance

Protect your loved ones with a fast diagnosis. Convenient treatment that fits around you. Access to the best specialists and state of the art medical facilities.

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James Bradley, PMI Director at My Health Pal

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James Bradley – PMI DIRECTOR

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Personal advice. Rated by our customers.

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Real words from real customers

Advice with your interests at heart.

Being new to private health insurance I didn’t know what to expect, James understood this and was clear, concise and more importantly patient with me. We spoke about different options, hospitals and levels of cover. I genuinely felt like he had my interests at heart.

Mr Marshall

Having spoken with James I was surprised to find that the benefits on my plan were not suited to my needs. We had a thorough conversation about what was important to my family. Ultimately, I saved around £200 per month and now have a plan tailored to my family. Thank you.

Mr Carter

James recently organised our private health insurance. He was very knowledgeable and professional and kept us up to date every step of the way. I wouldn’t hesitate to recommend his services.

Ms Hawtin

One policy. Your whole family.

What is Family Health Insurance?

Family health cover provides faster medical diagnosis. Treatment is then planned around your business family schedule. PMI provides access to some of the best specialists in the UK, within state of the art medical facilities.  

Family Health Insurance provides a single plan for every family member. The beauty of this setup lies in its simplicity – one policy, one premium, and a shared benefits level. This not only streamlines the management of healthcare needs but can also be more cost-effective than juggling multiple individual policies.

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James, your health insurance adviser

YOUR PERSONAL COVER ADVISER

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“James understood this and was clear, concise and more importantly patient with me.”

Mr Marshall · Customer review

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Cover that grows with you

Benefits of Family Health Insurance

In the UK, family health insurance works as a financial safeguard covering all members of a family under a single policy. One of the most significant benefits is cost-effectiveness; instead of purchasing separate policies for each family member, you can include everyone under one umbrella, which often leads to reduced premiums while still offering comprehensive coverage.

This type of insurance simplifies the management of health policies, as there's only one policy to renew and one set of paperwork to handle. Additional benefits include:

A family preparing to leave home, with a family protection symbol
1.

Flexibility

Family health insurance plans are flexible, allowing for the addition of new family members, like newborns or newlywed spouses, without much hassle.

2.

Cover a wide range

Many cover a variety of treatment options, from hospitalization to outpatient treatment procedures and even dental treatment and mental health conditions, all with the goal of ensuring your family's health is protected across various medical needs.

In essence, family health insurance provides a collective shield to easily access treatment when the unexpected occurs, ensuring that families can face health challenges together without the burden of excessive medical costs.

YOUR COVER. YOUR CHOICE.

Good cover starts with a conversation.

Tell us who needs cover and what matters to you. We’ll help you compare your options.

CUSTOMER REVIEWS

Good advice. In their words.

4.8/5Excellent on Trustpilot ↗
★★★★★
“Advice was very clear and the process was straightforward.”
Andy Koss29 September 2026Read on Trustpilot ↗
★★★★★
“James was very helpful and saved our company a fortune!”
Bev Simpson6 October 2026Read on Trustpilot ↗
★★★★★
“Swift, efficient, knowledgeable and friendly.”
Sue Warwick4 September 2026Read on Trustpilot ↗

A little guidance goes a long way

Why Choose Our Family Health Insurance?

While the core medical coverage handles the essentials, you can build out a truly comprehensive global health safety net with additional benefits like:

01 / KEEP IT SIMPLE

Streamlined Simplicity and Cost-Effectiveness

One policy, one premium, and coverage that extends to every member of your family. Say goodbye to the hassle of multiple policies and embrace the convenience and savings of our inclusive plan.

02 / MAKE IT PERSONAL

How Our Plan Works for You

We will tailor levels of cover and therefore premiums to your needs. We work with all of the UK's main insurers which ensures a straightforward claims process, we ensure your focus remains on what truly matters – recovery and well-being.

Understand your options

Healthcare that fits family life.

01

Beyond the NHS: Our Role in Your Family's Healthcare

While the NHS provides fundamental care, our family health insurance policies offer the additional support your family may need. From faster access to surgeries & specialist consultations, we're here to complement your private healthcare options, ensuring comprehensive coverage with our Family Health Insurance.

02

Tailored Plans for Every Family

Whether it's the all-encompassing care of our comprehensive plans or the focused assurance of our standard cover, we have the right option for you. We understand that every family's needs are unique, from cancer cover to mental health. We will discuss and advise based on your individual requirements.

03

How Does Family Health Insurance Work?

By having partners, parents and children under one policy, insurers will generally give a discount. This can be as much as 10% of the premium or even free cover for younger children. Claims made will affect the policy as a whole, however each individual's premium is calculated on its own merit. If your looking for individual cover instead of family health insurance, you would do better to start over here. 

A clear next step

Making the Right Choice for Your Family

Selecting the perfect family health insurance plan is a crucial decision. Our team is here to guide you through assessing your needs, comparing options, level of cover, and understanding the finer details of your policy. We're committed to helping you find a plan that provides the utmost protection and peace of mind and uniformly covers your family's needs.

Take the First Step Towards Comprehensive Care

Don't wait for a medical emergency to realise the value of a good family health insurance. Contact us today to discuss how we can protect your family's health and well-being. Let us help you make an informed decision that offers security, support, and satisfaction.

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A few common questions

Frequently Asked Questions

Get Answers to Common Queries About Health Insurance Coverage

Can Family Health Insurance cover dependents over the age of 18?

Yes, many policies can cover dependents over 18, often up to a certain age if they’re in full-time education or living at home.

Is it possible to add a new family member to an existing policy mid-term?

Yes, most insurers allow you to add new family members, such as newborns or new spouses, to your family policies mid-term.

How does family health insurance handle coverage for chronic conditions?

No – Private Healthcare in the UK does not cover ongoing management of chronic conditions. However if you are already covered when symptoms start many will cover it up until diagnosis.

Can I switch my family health insurance provider without losing coverage?

Yes, you can switch providers, but ensure there’s no gap in coverage and be aware of potential waiting periods or exclusions for pre-existing conditions.

Are there family health insurance plans that include dental and vision care?

Yes, some plans offer add-ons for dental and vision care, but these may increase your premium.

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Secure Your Health with Private Health Insurance

Take control of your well-being with our private health insurance plans. Experience peace of mind knowing you'll receive swift treatment and personalized care. Get started today to safeguard your health and protect your future.

“Ready to secure your health and peace of mind? Contact us today to explore your insurance options!”

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