Multi-Family Healthcare benefits

With 3 levels of cover and the ability to adapt your policy, you are in control of customising exactly the right policy for you and your loved ones.




Shared Responsibility levels available
£250 • £500 • £750 • £1,000 • £1,500 • £3,000 • £5,000

In-patient and Day-patient Treatment

Hospital Treatment
Critical Care Levels 2 and 3
Up to 28 days for Intensive Care and High Dependency Units
Specialists' Fees
Diagnostic Tests
Complex Diagnostic MRI, CT and PET Scans
In-patient and Day-patient Therapy
Post-operative Consultation and Tests
One follow-up consultation & tests within 90 days of surgery
Passive and Active

Out-patient Treatment

Consultations with a Specialist and Diagnostic Tests.
GP Referred Diagnostic Tests
Specialist Referred Therapy
GP Referred Therapy

- Up to 10 sessions

Self Referred Therapy

- Up to four sessions of Chiropractic, Osteopathy and Physiotherapy

£1,000 • £1,500
Complex Diagnostic Scans
GP Referred Complex Diagnostic Scans
One MRI or CT Scan
Out-patient Procedures
Pre-admission Tests

Remote Benefits

Remote GP Services
Private GP Helpline • Video Consultations • Private Prescriptions • Specialist Referral
Health and Wellbeing Helpline
Single-session Telephone Counselling • Online computerised Cognitive Behaviour Therapy (cCBT) Life Skills Course • Wellbeing and Health Information • Debt and Money Information and Support • Legal Information
Structured Counselling (not available to family member(s) under 16 years of age)
Where clinically appropriate, following referral from the Health & Wellbeing Helpline, up to six sessions of structured counselling

Cancer Care

Consultations with a Specialist
Targeted Cancer Therapies
Advanced anti-cancer treatment (Targeted Cancer Therapies) will be funded when given with curative intent, where not readily available on the NHS

NHS Hospital Cash Benefit

Non-cancer - overall combined maximum annual benefit of £4,500

NHS In-patient (less than 3 nights) or NHS Day-patient
£150 per night/day
NHS In-patient (3 nights or more)
£200 per night
NHS Out-patient Complex Diagnostic Scans and NHS Out-patient Procedures
(MRI, CT and PET Scans) – £150 per day

Cancer - overall combined maximum annual benefit of £6,000

NHS In-patient or NHS Day-patient
£200 per night/day
NHS Out-patient Complex Diagnostic Scans or NHS Out-patient Cancer Treatment or NHS Out-patient Procedures
£150 per day

Further Benefits

Nursing at Home
Up to 4 weeks.
Private Ambulance Transport
Parent and Child
Up to 10 nights for hospital accommodation charges
Out of Pocket Expenses
Up to £10 per day
Hospice Donation
£70 per day/night up to £700
Overseas Emergency Treatment (not the USA and its dependencies)
70 days per trip, maximum 180 days and £500,000
Optional Extra
Optional Extra
General Dental Treatment
Health Screening

Optional Extras

Please refer to the 'Policy Summary' below for full details of these benefits

Premium Hospitals
We provide an extensive choice of over 600 hospitals as standard. Extend this choice by adding Premium Hospitals, primarily based in Central London.
Available to add to all levels
Overseas Emergency Treatment
Overseas Emergency Treatment (not the USA and its dependencies) – 70 days per trip, maximum 180 days and £500,000
Optional Extra
Optional Extra

This table is a summary of the benefits available and is for indicative purposes only. Please refer to the 'Policy Summary' for further details and 'A Guide to Your Policy' for full terms and conditions in the ‘Download documents’ section below.

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

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