{"id":2101,"date":"2023-08-07T10:00:49","date_gmt":"2023-08-07T02:00:49","guid":{"rendered":"https:\/\/www.pacificprime.co.uk\/blog\/?p=2101"},"modified":"2023-08-07T15:04:01","modified_gmt":"2023-08-07T07:04:01","slug":"what-is-the-average-cost-of-family-health-insurance-in-the-uk","status":"publish","type":"post","link":"https:\/\/www.pacificprime.co.uk\/blog\/what-is-the-average-cost-of-family-health-insurance-in-the-uk\/","title":{"rendered":"What Is the Average Cost of Family Health Insurance in the UK?"},"content":{"rendered":"<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">When it comes to protecting the health of your loved ones, family health insurance becomes an invaluable asset.<\/span><span style=\"font-weight: 400;\">\u00a0As more and more people are looking for\u00a0<\/span><a href=\"https:\/\/www.pacificprime.co.uk\/blog\/coronavirus-what-you-need-to-know-about-insurance-cover\/\"><span style=\"font-weight: 400;\">insurance coverage<\/span><\/a><span style=\"font-weight: 400;\">, we are receiving inquiries from individuals and families alike.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">One of the questions we get asked the most is regarding what families can expect to pay for health insurance in the UK. While we can offer you a\u00a0<\/span><a href=\"https:\/\/www.pacificprime.co.uk\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">free quotation<\/span><\/a><span style=\"font-weight: 400;\">, this\u00a0<\/span><a href=\"https:\/\/www.pacificprime.co.uk\/blog\/\"><span style=\"font-weight: 400;\">Pacific Prime UK article<\/span><\/a><span style=\"font-weight: 400;\">\u00a0offers a closer look at what the average cost of health insurance is in the UK to deepen your understanding.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Note that the cost of private health insurance in the UK will differ based on your needs and from one insurer to another.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\"><div class='code-block code-block-3' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.co.uk\/plans\/family\/?campSource=PPUK-Blog&utm_source=blog&utm_medium=content_banner&utm_campaign=banner&utm_content=family\" target=\"_blank\" rel=\"noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-777\" src=\"https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2020\/02\/PPUK-blog-banners-1138x493-px_02-05.jpg?resize=700%2C303&#038;ssl=1\" alt=\"Family insurance banner\" width=\"700\" height=\"303\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2 style=\"text-align: justify;\"><strong>What Is Family Health Insurance?<\/strong><\/h2>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/www.pacificprime.co.uk\/plans\/family\/\"><span style=\"font-weight: 400;\">Family health insurance<\/span><\/a><span style=\"font-weight: 400;\">\u00a0provides private healthcare for every family member. Unlike individual health insurance, this type of plan can cover you, your partner and your children. Families with this type of insurance can access treatment faster than on the\u00a0<\/span><a href=\"https:\/\/www.pacificprime.co.uk\/blog\/an-overview-of-the-united-kingdom-healthcare-system\/\"><span style=\"font-weight: 400;\">UK healthcare system<\/span><\/a><span style=\"font-weight: 400;\">\u00a0NHS.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Additionally, this type of policy gives you a wider choice of medical facilities, including hospitals and clinics, as well as locations. Family health insurance plans cover a wide variety of illnesses, injuries and symptoms you claim for along with the various forms of treatment.<\/span><\/p>\n<h2><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-3133\" src=\"https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2023\/08\/01.webp?resize=700%2C304&#038;ssl=1\" alt=\"A doctor diagnosing a child with his mother and sister laughing\" width=\"700\" height=\"304\" srcset=\"https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2023\/08\/01.webp?w=1140&amp;ssl=1 1140w, https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2023\/08\/01.webp?resize=300%2C130&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2023\/08\/01.webp?resize=1024%2C445&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2023\/08\/01.webp?resize=768%2C333&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2023\/08\/01.webp?resize=1138%2C493&amp;ssl=1 1138w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/><\/h2>\n<h2 style=\"text-align: justify;\"><strong>Factors That Affect the Cost of Family Health Insurance<\/strong><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">In our\u00a0<\/span><a href=\"https:\/\/www.pacificprime.com\/cost-of-health-insurance-2023\/\"><span style=\"font-weight: 400;\">2023 Cost of International Health Insurance Report<\/span><\/a><span style=\"font-weight: 400;\">, the UK ranked as the eleventh most expensive country in the world. The average cost of family health insurance in the UK is USD $14,723. This marked a 13-percent increase from USD $13,035 in 2022.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Remember that this amount is only an average and your premium can vary significantly. After all, the cost of a family health insurance policy is based on several factors.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Some questions that will be asked to determine the cost include:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">How many people will be on the policy?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">What are the ages of each family member?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Where in the UK is the family located?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">How many people on the policy are smokers?<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">In addition, other potential variables that will affect the cost include:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Private medical treatment costs<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Preferred hospital list<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The excess on the plan<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The type of underwriting (<\/span><a href=\"https:\/\/www.pacificprime.co.uk\/resources\/health-insurance-glossary\/\"><span style=\"font-weight: 400;\">inpatient and outpatient care<\/span><\/a><span style=\"font-weight: 400;\">)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The level of coverage<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Optional add-ons<\/span><\/li>\n<\/ul>\n<h2><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-3134\" src=\"https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2023\/08\/02.webp?resize=700%2C304&#038;ssl=1\" alt=\"Figures of businesspeople standing in front of three stacks of coins on a wooden table\" width=\"700\" height=\"304\" srcset=\"https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2023\/08\/02.webp?w=1140&amp;ssl=1 1140w, https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2023\/08\/02.webp?resize=300%2C130&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2023\/08\/02.webp?resize=1024%2C445&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2023\/08\/02.webp?resize=768%2C333&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2023\/08\/02.webp?resize=1138%2C493&amp;ssl=1 1138w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/><\/h2>\n<h2 style=\"text-align: justify;\"><strong>How to Compare Health Insurance for Your Family<\/strong><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">There are two main costs that you should check when comparing health insurance policies: the premium and the excess. The premium is the amount you pay annually, or monthly, for your policy. The excess, on the other hand, is the amount of the bill you pay yourself if you make a claim.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The average cost of family medical insurance tends to be higher if you have a large family, such as if the policy has to cover over three people.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">It\u2019s always a good idea to check the average cost of health insurance for each person to make sure you\u2019re actually saving. With that said, family plans usually include a discount for covering several people on a single policy.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Moreover, it\u2019s important to check the age limits since some policies have a maximum age for children and adults covered. For instance, some policies only cover children under the age of 21 and adults under the age of 70. Be sure to check the limits before making your decision.<\/span><\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-3135\" src=\"https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2023\/08\/03.webp?resize=700%2C304&#038;ssl=1\" alt=\"A hand picking a wooden block with a cross symbol on it among other blocks with symbols of medicine, syringe, heart rate, and a drop of water\" width=\"700\" height=\"304\" srcset=\"https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2023\/08\/03.webp?w=1140&amp;ssl=1 1140w, https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2023\/08\/03.webp?resize=300%2C130&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2023\/08\/03.webp?resize=1024%2C445&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2023\/08\/03.webp?resize=768%2C333&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2023\/08\/03.webp?resize=1138%2C493&amp;ssl=1 1138w\" sizes=\"auto, (max-width: 700px) 100vw, 700px\" \/><\/p>\n<h2 style=\"text-align: justify;\"><strong>What to Consider When Shopping for Family Health Insurance<\/strong><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Depending on your circumstances and desires, family medical insurance costs can vary dramatically. Even so, it\u2019s crucial to ensure that your family has coverage for any unexpected healthcare costs. Medical emergencies and other healthcare costs can cost you large sums of money if you\u2019re not prepared.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Looking for the right family health insurance plan can be daunting and arduous. For instance, if you are wondering what the average health insurance cost for a family of 4 is, we can help you with a plan that meets your budget.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Moreover, we can also help you and your family find the\u00a0<\/span><a href=\"https:\/\/www.pacificprime.co.uk\/\"><span style=\"font-weight: 400;\">best private health insurance in the UK<\/span><\/a><span style=\"font-weight: 400;\">\u00a0by comparing plans from the\u00a0<\/span><a href=\"https:\/\/www.pacificprime.co.uk\/insurers\/\"><span style=\"font-weight: 400;\">leading global and local insurance providers<\/span><\/a><span style=\"font-weight: 400;\">. What are you waiting for?\u00a0<\/span><a href=\"https:\/\/www.pacificprime.co.uk\/contact-us\/\"><span style=\"font-weight: 400;\">Contact us<\/span><\/a><span style=\"font-weight: 400;\">\u00a0to receive impartial advice and a free quote or plan comparison today.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\"><div class='code-block code-block-6' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.co.uk\/compare-quotes\/step-one\/?campSource=PPUK-Blog&utm_source=blog&utm_medium=cta_banner&utm_campaign=banner&utm_content=quote\" target=\"_blank\" rel=\"noopener\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-781\" src=\"https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2020\/02\/PPUK_quote-image-01-1.jpg?resize=700%2C303&#038;ssl=1\" alt=\"Get an Insurance quote banner\" width=\"700\" height=\"303\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When it comes to protecting the health of your loved ones, family health insurance becomes an invaluable asset.\u00a0As more and more people are looking for\u00a0insurance coverage, we are receiving inquiries from individuals and families alike. One of the questions we get asked the most is regarding what families can expect to pay for health insurance &#8230;<\/p>\n","protected":false},"author":18,"featured_media":2102,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_links_to":"","_links_to_target":""},"categories":[716,2],"tags":[769,1268,768,217,218,1266,316,1267],"class_list":["post-2101","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-family-insurance","category-insurance","tag-ban_fam","tag-best-private-health-insurance-uk","tag-cta_gen","tag-family-health-insurance","tag-family-medical-insurance","tag-health-insurance-for-families","tag-private-health-insurance","tag-uk-healthcare-system"],"acf":[],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.pacificprime.co.uk\/blog\/wp-content\/uploads\/2020\/08\/averagecohiuk.jpg?fit=1140%2C495&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pcnTsc-xT","amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/posts\/2101","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/users\/18"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/comments?post=2101"}],"version-history":[{"count":14,"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/posts\/2101\/revisions"}],"predecessor-version":[{"id":3123,"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/posts\/2101\/revisions\/3123"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/media\/2102"}],"wp:attachment":[{"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/media?parent=2101"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/categories?post=2101"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pacificprime.co.uk\/blog\/wp-json\/wp\/v2\/tags?post=2101"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}