Family health insurance
Pay close attention to the excesses for family cover
Family health insurance can be very cost-effective, and in most cases it isn't much more expensive to insure your entire family than to insure you and your spouse. However, look at the small print carefully to see whether any excesses that apply are per policy or per family member.
Family health insurance isn't much more expensive than individual health insurance, and it's a relatively cheap way to ensure that your nearest and dearest can be sure of quick treatment in case of illness or injury. In many cases your children are covered free of charge when you take out a policy for you and your spouse.