Most of us cherish our blood relations and would go to any extent to keep them off harm's way. However, simply being caring and responsible is not enough. Today, when medical expenses are increasingly becoming unaffordable for commoners, family insurance is probably the safest way to ensure your family is okay even in the face of diversity. Since every family is unique and has its own different set of requirements, coverage plans should be different too. While a large family with a great average fitness may be able to cope with medical expenses with a low-cost policy, a small unit with ailing parents may not be able to do so. As the news spreads of premium rates climbing for family health insurance policies across the globe (with VHI in Ireland initiating the trend with a hike of over €200), uninsured or under- insured people scramble to look for the ideal insurance quote. But to find that ideal deal, you need to be aware of the basics first. Such health insurance quotes usually come in two kinds of packages, as has been the norm among the prominent cover providers (both online as well as in the real-world): 1.Fees-against-services - This kind of a plan provides for partial reimbursement of medical bills even if they are from external medical professionals. 2.Managed care - This can cover expenses incurred during preventive care sessions and other allied trips to the doctor. However, in such a plan, you can only consult the medical professionals chosen by the coverage providers' network. If you choose to visit an external doctor, the bills are for you to pay! However, with the advent of hundreds of coverage firms within a short span of time, competition has forced the basic plans to be customized from different angles and with different conditions attached. For an instance, a family health coverage quote may allow visits to an external doctor on a co-payment agreement. Another quote may ask for higher premiums but allow preventive care and similar treatments to be covered for. A lot of online sites offer free health insurance quotes and a free comparison among the main players in the health coverage industry today. You can easily utilize these to monitor the current trends in the industry and etch out a coverage plan for yourself.