Definitely questions for your Accountant... Here's my thoughts, to prime you for that discussion so you're not shocked with what they may tell you.
Remember there is a difference between your business and personal expenses.
Your Premiums could be a business expense, but your families might not be. So the Accountant may split the Premium between an biz expense and an Owner Draw (you pay) or some other category. Then again, if the policy is to cover you and it HAPPENS to include family, all of it could be a legitimate biz expense.
Your medical payments for any work related injuries could be a biz expense, but all none biz medical and your family's medical would all be Personal expenses (and should not be paid by the company accounts). And yes, after a certain amount of expense, based on income, you can write those expenses off your Personal Taxes.