Private medical insurance for the family
Having private medical insurance for the whole family is an enormous benefit as it means everyone in the household has the ability to be seen and treated quickly. As parents you can be sure you're protected for the kind of conditions more commonly claimed for by adults, but also make sure the simple things that can affect children are covered, along with the worrying prospect of bigger conditions. Although generally children are often seen by the NHS more quickly than an adult would it is not always the circumstance our customers find themselves in and there are more and more treatments being ruled out or becoming increasingly difficult to achieve through the NHS, a good example of this are tonsillectomy procedures.
We find that the GP services, especially the video GP benefit that come with all insurers these days, is used much more on family plans than adult only plans. Children get little ailments and symptoms all the time, and getting hold of your NHS GP and getting an appointment quickly is difficult especially when these things occur of an evening or weekend. This often leaving parents with no option to attend A&E with isn't the right use of the service. Being able to access a Video GP easily and quickly, at evenings or weekends, often with just a few hours notice can be a huge help.
Pricing
Age is the primary factor when it comes to pricing so adding children to a plan often makes very little impact to the premiums, however some of your children can be covered for free with some insurers.
Splitting the policies
Although we make every effort to keep everyone on the same plan, sometimes the combination of one members medical history and costs can mean that it's better to split members across 2 or more policies. If this is advised it is with the sole purpose of ensuring everyone gets what they need without you paying more than necessary.
Getting a quote.
At Parker's we understand every family is different, our advice is based on matching the protection you need to the right policy. We achieve this by listening and getting to know your reasons behind this step, but also by making suggestions that may not have crossed your mind yet.
Is this your first medical insurance plan?
Take a read about the importance of choosing correctly.
Do you have medical insurance for the family already?
If so, click the link below and read more about changing insurer.