Multi-Family Healthcare

An exclusive healthcare policy for you and your extended family, across the generations.

Introducing the Multi-Family Healthcare Plan

We recognise the importance of protecting the health of you and your family. In light of this, we have designed this personal health insurance Policy, providing cover for the whole (extended) family - across the generations.

Our Multi-Family Healthcare Plan has been awarded the Moneyfacts Private Medical Insurance Five Star Rating for 2020.

For you and your extended family

Our Multi-Family Healthcare Plan covers various family members across the generations living at multiple addresses throughout the UK.

In order to qualify for this Policy there must be a minimum of two families on cover, living at two different UK addresses. In turn, you will benefit from a multi-family discount.

  • Competitive premiums

    Preferential terms (for you and any family members you wish to be covered) compared to the cost of individual policies.

  • Multi-family Discount

    Available for two or more family members residing at different UK addresses.

  • No Upper Age Limit

    Join the Multi-Family Healthcare Plan at any age. Cover is subject to medical underwriting (no medical required).

  • Shared Responsibility

    An innovative method of co-payment allowing you to take control of the cost of your premium.

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What isn't covered?

As with all health insurance there are certain things that are not covered. For a full list of what isn’t covered, please refer to the 'A Guide to Your Policy' in the Download documents section below. It is important to understand that health insurance is not designed to be a replacement for the NHS, but rather to complement it.

Key exclusions include:

  • Pre-existing conditions
  • Long-term chronic conditions
  • Fertility problems, pregnancy and childbirth
  • Mental health conditions
  • Injuries sustained through winter sports

Download documents


Shared Responsibility ®

Shared Responsibility is an innovative method of co-payment that’s a more customer-friendly version of a traditional excess.

  • 75% of each claim for eligible treatment is paid no matter how small.
  • You share the cost of your treatment with us by contributing 25% towards every eligible claim.
  • Your contribution is ‘capped’ at a level chosen by you per Policy year.
  • We will pay 100% of eligible claims once you reach your chosen level of Shared Responsibility.

The levels available are:

£250 • £500 • £750 • £1,000 • £1,500 • £3,000 • £5,000

All our members are free to choose where, when and who provides them with treatment.

In the UK, we benefit from one of the best healthcare systems in the world. But sometimes you need more, like avoiding long waiting lists for surgery or getting access to cancer treatments not readily available on the NHS. You want the freedom to choose what’s best for you. Some health insurers limit where, when and who can treat you. We believe that’s wrong. It’s your health, so you should be in control.

Our members have access to over 600 hospitals throughout the UK.

Easy to claim

Everyone hopes they’ll never need to use their health insurance. But should the worst happen, and you need to make a claim, you expect your insurance provider to be there for you. When you buy our health insurance, you buy our promise that we’ll deliver.

With our WPA Health app claiming has never been easier. Customers can make a Health Insurance claim and receive an instant decision - a first in the UK Health Insurance market.

Customers rate our service as 5 star, with an average rating of 4.7 out of 5.

Data recorded between 1st January 2020 and 31st December 2020. 10,019 responses received.

Frequently asked questions

How can we help? Healthcare can be confusing, but we don't think it should be. Choose a topic to find out more.

Who can I include on our Multi-Family Healthcare Plan?

Can one person/family join?

Can I cover family members and not myself?

Can I add my family to my policy later?

How do we join WPA?

Get a quote

Get a quote now and find out how much you would pay.

Call us

Lines open 9am - 5pm Monday - Friday


Get a quote online

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Special offer: Partner Goes Free and receive 10% off in your second year.

Partner Goes Free

And receive 10% off in the second year.

Help & advice

Contact us

If you’d rather talk to someone about becoming a member, please give our UK team a call on 01823 625050.