Put your mind at ease knowing that if something were to happen to you or a member of your family fell ill that you can access the best treatment quickly and conveniently. Many couples and families find it more cost effective to have a single health insurance policy that covers the entire household rather than having  separate policies. Taking out a family health insurance policy will give you peace of mind to know those you care about will be looked after when they need it most.

What’s Included in a Family Health Insurance Policy?

The most important thing you need to understand with any insurance policy is what is included and what isn’t. Especially when it involves your family. Depending on the cover you seek, most family health policies will include any doctor visits, hospital stays and surgery. Some policies on the higher end may even include specialist consultations and additional treatments you might seek.

What's Not Included?

While it's important to understand what is covered in your health insurance. It's equally important to know what's not included. For example health policies do not include lifelong care for chronic conditions. On top of this your insurance policy will not include self-inflicted injuries or cosmetic surgery.

Your policy will also not protect against any pre-existing conditions before the policy was purchased. But, if you become diagnosed with something after purchase you will then be covered but may need to stay with your current provider.