When you buy a health insurance policy in the UK, you must ensure you meet the eligibility criteria. There is no point buying a policy that you cannot use in the future.

  • How long have you lived in the UK?
  • Are you registered with a NHS GP?
  • How long have you been registered with your NHS GP?
  • Do you travel abroad for months at a time?
  • Are you out of the UK for over 180 days of the year?

It is important that you answer these questions honestly. Each insurer has there own eligibility criteria that you must satisfy. If your circumstances change within the policy year, you need to let your insurance provider know.

On a business policy you must also meet the membership criteria. If you have a company scheme the eligibility criteria will include the members on your scheme being employed by the business.

In summary you cannot just add anyone to a business health insurance policy. They must be employed by the company itself. Directors and shareholders are importantly likely to to eligible for cover on a company policy.

To clarify, you need to check your insurers terms and conditions prior to buying a policy.

Family health insurance; are your children still eligible for cover?

Family health insurance; are your children still eligible for cover?

There are several reasons why adult children may no longer be eligible for cover under a family health insurance policy. The reasons can vary dependent upon the insurer and the policy itself. Each insurer has their own detailed explanation as to how they define dependants under a family health insurance policy. We have listed some of the criteria that applies for children from four of the biggest health insurance providers: AVIVA Under an individual Healthier Solutions family health insurance policy, they are covered by the policy if they live at home, with no upper age limit. Dependants under a group…