A miscarriage or a birth complication can be an emotionally intense experience for a family. Some family health insurance plans provide cover in case of pregnancy complications including loss of pregnancy or emergency Caesarean sections . A waiting period may apply after the start of your policy before you can take advantage of this benefit.
Newborns added to the policy after birth are covered from day one
You can often add a newborn baby to your family health insurance policy (within a certain time frame) without normally having to provide any medical history. This means the baby will be covered for any medical conditions after birth (excluding congenital diseases).
With some insurance companies such as Freedom Health Insurance, you will also receive a maternity cash benefit for each child born after your policy’s start date. A qualifying period usually applies.
Adding multiple children to your policy at no extra cost
Some health insurance companies may allow you to add multiple children to your family health insurance policy at discounted rates.
With Freedom Health Insurance, you only pay for the first child added to any of our UK plans, while any additional children will be covered for free.
Family health insurance can be a more affordable option
A family private health insurance will allow you to cover multiple family members under a single, often discounted policy rather than having to pay for individual policies for yourself and each dependent.
You can choose to pay for your insurance policy monthly or annually. If you opt to pay annually on your Freedom Health Insurance policy, you can save 6% on your annual premium.
Cover your children over 18
Many family private health insurance plans will continue to cover your children even after they turn 18. Freedom Health Insurance will cover your children up until their 25th birthday.
Free accommodation for a parent when your child is in hospital
When your child is in hospital, being apart from each other can put extra pressure on you and your child. Several family health insurance plans will allow a parent to accompany their child in the hospital and their accommodation cost will be covered by the health insurance policy (age limits may apply).
No matter who the family member needing care is, having a family medical health insurance plan that covers home nursing following your treatment means less time spent in the hospital and more time spent home with your loved ones family.
With our Freedom Elite policy you can get cover for home nursing for up to 13 weeks.
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