Family plans are typically cheaper than taking out an individual policy for each member of your family. Many insurers offer discounts when you insure multiple people under one policy. Some even only charge for one child, no matter how many little ones you have running around. This can be a real money-saver for larger families.
Another perk to arranging family health insurance plans is that it's less hassle. Managing one policy is easier than keeping tabs on separate ones for each family member. This way, you only have one application to make and one renewal to handle each year.
Plus, family plans can be highly customisable. Depending on your policy, you can add extras like dental care for different family members. This ensures that everyone in your family gets the care they need without the complexity of multiple individual policies.
In fact, there’s a few ‘extras’ specific to families with children that you should look out for, including:
Parent accommodation: Ever wish you could be right next door when your little one is in hospital? Some policies cover the cost of a nearby stay so you can be close by during their treatment.
Corrective ear surgery: If you’re a bit concerned about your child's prominent ears, some insurers offer corrective procedures up to a certain age.
Laser treatment: For those noticeable birthmarks, like a ‘port wine stain’ on the face, some plans have you covered with laser treatments that can significantly improve the appearance.
Speech therapy: Noticing a delay in your child's speech development? Some policies include a set number of sessions with a speech therapist to give them a little extra help along the way.
Baby bonus: A cash payment when you have a baby or adopt one.
