Managing health insurance for the whole family

Which is the best insurance cover for your family?

There’s no one-size-fits-all policy for the whole family because each of us is different. Plus, families change over time. Children grow up, partners get together or split up, and the family circle changes as life changes. This is why, with us, each member of your family has their own insurance policy that follows them wherever life takes them.

Children, for example, have completely different healthcare needs to adults. Our specialist policies are tailor-made to ensure children are covered for their unique needs. And with our prenatal coverage, you can even take out insurance for your children before they are born.

• Find out all about our dedicated babies insurance cover on our “Insure my unborn baby” page.

Getting the right cover for your family means picking the perfect policy for each member. But when it comes to managing your insurance policies, you can make life easier by grouping these separate policies together.

Manage policies for each member of your family

One person pays for all policies

Grouping together your household’s policies makes life so much easier. Your whole family’s premiums will appear on a single invoice and all payouts will go into the same account. All of your documents, such as insurance certificates, will be sent out together. This means that one person can manage the entire family’s insurance.

Your Customer Area is the place to access all of your documents and manage your policies on behalf of each member of your household, including other adults.

• Lighten your admin load by visiting our family grouping page.

Update your policies if your circumstances change

Has your child flown the nest or started work and no longer needs you to pay for their health cover? Have you broken up with your partner? Life doesn’t stand still, and neither should your family’s insurance policies.

In the same way that you can group your family, you can also arrange to ungroup them. Each person can then take charge of their own policy without having to change their cover.

• Our family ungrouping page explains exactly what to do.

Financial independence

• When your child is ready to take over responsibility for their cover, pay their premiums themselves and manage their own claims, you will need to change the payment details for their policy. You can hand your child responsibility for their policy by submitting a family ungrouping request. Of course, we are here to support them every step of the way as they navigate their new-found independence.

Accident insurance

• When starting an apprenticeship or finishing their studies, youngsters will have to consider whether they need to take out accident insurance. Up to this point, students are covered for accidents by their basic insurance. Once they enter the world of work, they will be covered by their employer’s insurance if they work for more than 8 hours per week.
• As for parents, they might need to add accident insurance to their basic insurance if they go freelance, if they retire, or if one of them becomes a stay-at-home partner.
• Find out more about accident insurance and read all our advice on arranging the right cover on our Cover my medical costs in the event of an accident page.

Military service

• There are special requirements for your basic health insurance throughout your military or civilian service. Whenever you serve in the army, be it as part of basic training, civilian service, long service or instructing other new recruits, you will be covered by military insurance and do not need to pay your usual health insurance premiums.
• Our page on Completing your civilian or military service explains how insurance works when you are called up.