If you and your family are healthy and there are no chronic problems, then look at a plan that pays only the major expenses, should they arise. This would cover hospitalisation, any operations up to a certain value and prescribed medication while in hospital.
There is a policy that only covers an ambulance service. If a family member were involved in an accident or became very ill and had to be taken to hospital you would be covered financially for the ambulance service. In many areas this is an expensive ride so this inexpensive policy would be a great help if an emergency arose.
Many fortunate employees of large corporate companies have access to a group medical insurance plan. Employers give this to their employees as an employment benefit. They are able to negotiate with insurance companies for better prices on the policies as they will be buying them in bulk. Many companies are not doing this any more as the price of medical costs rise.
There is a medical scheme that operates with a network of medical practitioners who have discounted their fees to an insurance company who in turn can give the consumers a lower premium. The consumer can choose a doctor from a panel and can consult the same doctor on each visit if he wants to. This is what patients enjoy, to build up a relationship with their medical practitioner. Each time a doctor is visited a small fee is payable to the scheme. All medical services are done within this network.
This author writes articles on various articles, one subject being health insurance. http://www.healthinsurancewebs.com