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Compare Family Health Insurance UK 2024

One of the most popular versions of private health insurance is a family policy to protect everybody in your household. Family health insurance can be a great way to get affordable private medical treatment for you and your children.

Finding the best family health insurance policy can sometimes be difficult because of how many different options there are, and how much prices can vary. In this guide we’ll compare best family health insurance policies and how to find discounts and rewards to get cheaper family health insurance.

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60-Second Summary – Compare Family Health Insurance UK 2024

Family health insurance provides private medical cover for you, your partner, and your children, aiming to protect everyone in your household. It is gaining popularity due to concerns about increasing NHS waiting times, offering access to private medical care that can reduce the overall cost.

  • Some of the top family health insurance providers in the UK include AXA Health, Aviva, Bupa and Vitality. There will be pros and cons to each provider, so you should think carefully about which would work best for you.
  • The cost of family health insurance will vary based on the level of cover you need and the ages of your family members. Policies can usually cover children up to age 18 (or older if in full time education).
  • Family health insurance policies are flexible, allowing you to add and remove benefits to build the right level of cover for your family.
  • Most health insurance policies will allow you to add extra benefits and often include access to appealing discounts and rewards such as cheap gym memberships.
  • It can be hard to work out which health insurance provider is your best option and you can speak to a health insurance specialist for free and friendly advice.

What is family health insurance?

A family health insurance policy is a single health insurance policy that provides private medical cover for you, your partner, and your children. As the name suggests, it is designs to protect everyone in your household or your immediate family. Health insurance in the UK covers the cost or reduces the cost of private medical care.

Family health insurance products are usually priced to offer affordable private medical treatment for your family. This type of health insurance is becoming more and more popular with UK consumers due to issues with increasing NHS waiting times.

Family health insurance works by helping you gain access to treatment more quickly and avoid long NHS waiting lists.

Your monthly premium will be based on the ages of everyone in your household and the combined coverage for all members. Most family health insurance policies will cover children up to age 18 or 24 if in full-time education.

Each provider has different age limits and discounts for children on its family health insurance policies. Below is a quick overview for the age limits with each of the top health insurance providers in the UK.

Health insurance providerUpper age limit for childrenDiscount or benefit
AXA logo14

Free newborn cover (until next policy renewal).
You will also get hospital accommodation benefit plus access to the Helping Hand service which provides extra support for new parents.

Aviva logo20

Only pay for oldest child.
There are other benefits available such as 3 months of FREE newborn cover and £100 newborn bonus pay outs.

Bupa logo20

Only pay for oldest child and 10% discount for couples (from same household).
All children can be covered for the price of one.

The Exeter logo21 (25 if in full time education)

Parental accommodation benefit (if your child under 18 needs medical treatment).
FREE access to the HealthWise app provides extra support with health questions, emotional support and wellbeing.

Freedom Health Insurance logo25 for personal policies (30 for group policies)

Only pay for first child added (UK plans).
Save 6% if you pay annually.
Covers specified pregnancy complications and home nursing (not all other providers will).

National Friendly logo23

Can cover up to 10 children on your policy (if all live at the same address).
Babies can be added within 3 months of birth without needing to provide medical information.

Vitality logo14

Vitality Rewards points can be used to claim FREE cinema tickets, discounted smart watches and more.
Pays out a £100 cash benefit for childbirth or adoption and hospital accommodation benefit (if the child is also insured on the policy).

Which are the best family health insurance companies?

Each of the top health insurance providers offers very different benefits and cover options for you and your family. You should carefully consider which is the best family health insurance option for you and what type of cover you need.

AXA logo

AXA Family Health Insurance

TrustPilot score: 4.1/5.0 Stars
Defaqto rating: 5 Stars

AXA Health is one of the leading names and health insurance or private medical insurance (PMI) in the UK. AXA Personal Health is a Defaqto 5 star rated health insurance policy and one of the top products on the market for family health insurance. AXA PPP also has a customer score of ‘Great’ on Trustpilot and is rated 4.1 out of 5.0 stars from over 8,000 customer reviews.

AXA family health insurance offers one of the most flexible and comprehensive policies on the market for families. While it’s true that there are other products which offer more benefits and rewards, this is still an excellent option for families with young children.

AXA family health insurance benefits

1) Free cover for new-born babies

Any existing AXA health insurance policy holders will automatically receive free health insurance for a new-born child up to the next renewal date. Terms and conditions may apply to this and all you need to do is telephone them to let them know about the birth.

2) Helping hand for new parents

AXA understands that being a new parent can be extremely stressful as well as incredibly rewarding. Any new parent will have access to a team a fully trained and qualified midwives from the day your child is born. This service is to help you and guide you as you were adjust to being a new parent or even for parents who’ve had children before.

3) AXA health insurance for children

There are a number of common health and medical risks for children such as prominent ears or visible birthmarks. Children’s Health insurance with AXA will help to make sure that any of these issues are looked at and sorted quickly (available to children up to the age of 14).

4) Hotel accommodation for parents

If your child is admitted to hospital overnight to receive treatment or surgery under their health insurance AXA will provide a Hotel accommodation rebate. You can claim up to £100 per night while your child receives treatment (up to a maximum of £500 per year). This is to make sure that you are able to stay at a hotel close to your child’s hospital at what can be a very stressful time.

5) Online health information

As a parent you will no doubt have many questions about potential health and medical issues for your children. You will have 24/7 access to a free online health information resource provided by a team of medical experts.

This team is also available 24 hours a day seven days a week to answer any questions regarding you and your families health.

What’s not covered by AXA family health insurance?

These are the main exclusions from standard AXA family health insurance cover:

  • Childbirth and pregnancy
  • Payment for any treatment received in a hospital that is not approved by AXA (accept for policyholders with Extended Cover option)
  • Any pre-existing conditions or chronic conditions such as diabetes, epilepsy, or asthma
  • Treatment required as a result of participating in any professional or semi-professional sports
  • Treatment for any condition where you have received previous treatments, medication or experienced symptoms prior to joining

Optional extra benefits with AXA family health insurance

  • Optical and Dental cover provides you with a cashback benefit to pay towards any dental or optical fees for your family
  • Out-patient tests and consultations can also be added to provide cover for outpatient consultations with specialists, diagnostics and any additional practitioner charges
  • Psychiatric treatment cover offers additional mental health cover with benefits such as psychiatrists, psychology and cognitive behavioural therapy (CBT)
  • Extra therapies benefit will provide treatment with physiotherapists, osteopaths, chiropractors and acupuncturists

AXA Personal Health Plan Information Document – CLICK HERE

AXA Health for You Plan Information Document – CLICK HERE

Aviva is the biggest personal and general insurance provider in the UK and possibly the most well-known brand and the British insurance sector. Aviva PLC has approximately 15 million customers in the UK and millions more globally.

Aviva health insurance is one of the most highest rated products on the market today with its Defaqto 5 star rating. They are also rated as great by their customers on Trustpilot with a score of 4.1 out of 5.0 stars from nearly 30,000 customer reviews.

The Aviva family health insurance policy provides flexible and comprehensive medical insurance to you, your partner and your children. It gives policyholders access to faster diagnosis and a wide range of tests and treatments, including several that aren’t available on the NHS.

Aviva family health insurance benefits

Here is a list of the main benefits with Aviva family health insurance policies

1) Joint policy discount

if you take out one policy to cover you and your partner (couples health insurance) then it is likely that you will pay less than two separate policies.

2) Free cover for youngest child

for families with more than one child under the age of 20, you will only pay for the oldest child named on the policy up to the age of 20.

3) Newborn free cover

Any newborn baby will be automatically and title to three months completely free cover from the date that they are born.

4) £100 newborn bonus

When you have a newborn baby or if you adopt a child up to 12 months old each family member named on the policy will receive a £100 bonus. You must have held a policy for more than 12 months and payments be made-up to date.

5) Baby cover

Cover will be given to your newborn baby for as long as the policy is in place, regardless of their medical history (only on a medical disregarded cover basis).

What’s not covered by Aviva family health insurance?

These are the main exclusions from standard Aviva family health insurance cover:

  • Pregnancy or childbirth
  • Treatments received in a hospital that are not approved on the Aviva family health insurance plan
  • Pre-existing or chronic medical condition such as diabetes, epilepsy, or asthma
  • Treatment for any medical condition where you have experienced symptoms, had consultations or received treatment up to 3 years before taking out a policy

Optional extra benefits with Aviva family health insurance

  • Optical and Dental cover provides you with a cashback benefit to pay towards any dental or optical fees for your family
  • Out-patient tests and consultations can also be added to provide cover for outpatient consultations with specialists, diagnostics and any additional practitioner charges when referred by your GP
  • Psychiatric treatment cover offers additional mental health care as an inpatient or day patient
  • Extra therapies benefit will provide treatment with physiotherapists, osteopaths, chiropractors and acupuncturists
  • Protected no claims bonus

Aviva Healthier Solutions Hospital Lists – CLICK HERE

Aviva Healthier Solutions Brochure – CLICK HERE

Aviva Healthier Solutions Terms & Conditions – CLICK HERE

Bupa is one of the most well-known and highly regarded brands in the global health market. Bupa Health insurance currently has around 17 million customers around the world making it one of the biggest global health organisations.

It’s clear to see why Bupa is regarded as one of the leading household names in the health insurance industry. The Bupa Health insurance products have a five star Defaqto rating and is viewed by many in the industry as the gold standard. Bupa health is also rated four out of five stars on Trustpilot from more than 19,000 customer reviews.

Bupa’s Family+ health insurance offers one of the most flexible and adaptable products on the market to suit every family’s medical insurance needs. They also offer a 10% discount for joint policies as well as additional discounts for children.

Bupa Family+ health insurance benefits

Below is a list of the top benefits provided with Bupa family health insurance

1) 10% discount for couples

Joint policies covering more than one person in the same household will receive a 10% discount compared to individual cover.

2) All children covered for the price of one

Bupa family health insurance will only charge for the eldest child up to the age of 20 regardless of how many children you have in your household.

3) Bupa Blua Health digital GP service

This Blua Health digital GP service gives you access to video or telephone GP appointment 24 hours a day seven days a week, including bank holidays. It gives you immediate access to a health specialist for you and your family whenever and wherever you need it.

4) Anytime nurse helpline

You also get unlimited access to a team of fully trained and qualified nurses offering non-stop support for you and your family. If your child becomes sick in the middle of the night and you need instant support then these nurses will be there to help.

5) Family mental health support

The Family Mental Healthline provide you with access to fully qualified mental health experts who are there to listen and help with any mental health issues for your family.

6) Hospital accommodation Benefit

Bupa family health insurance also provides cover to pay for accommodation for one parent if a child is hospitalised (applies to children up to the age of 17). This is to make sure that your child is close and you can help to support them whilst in hospital.

7) Ground breaking cancer treatment

A cancer diagnosis can be one of the most difficult times for any family regardless of who is diagnosed, but especially for children. Bupa Family+ health insurance will provide care for you or your family member from the point of diagnosis through to treatment and aftercare.

You will also have access to cancer drugs and treatments for your whole family that may not be available on the NHS.

What’s not covered by Bupa Family+ health insurance?

These are the main exclusions from standard Bupa Family+ health insurance cover:

  • General nursing care, including convalescence and rehabilitation
  • Any pre-existing or chronic medical condition such as diabetes, epilepsy, or asthma
  • Any medical exclusion or emergency medical treatment (including A&E admissions) and allergies, allergic conditions or food intolerances
  • Treatment for any medical condition where you have experienced symptoms, had consultations or received treatment up to 5 years before taking out a policy

Optional extra benefits with Bupa Family+ health insurance

  • Out-patient tests and consultations including therapies such as physiotherapy, chiropractic treatment and osteopathy
  • Additional cancer treatment up to full cancer cover
  • A choice of three different hospital networks (hospital lists) including essential access, extended choice an extended choice with London hospitals

Bupa By You (Comprehensive) Health Insurance Information Document – CLICK HERE

Bupa By You Health Insurance Policy Guide – CLICK HERE

Vitality health insurance is possibly one of the most innovative and exciting health insurance providers in the UK. It is currently and the top three health insurance providers in the country and provides cover to millions of UK households.

Vitality health insurance can be easily recognised by its strong branding and clever TV advertising campaigns. The vitality health insurance policy also has a Defaqto five star rating and one of the most flexible yet affordable plans available.

They currently have a score of Great on Trustpilot and a rating of 3.9 out of five stars from over 30,000 customer reviews.

Vitality family health insurance is arguably one of the best suited plans for families looking for medical insurance, especially with rewards. The vitality discounts and rewards scheme means that this is by far one of the most affordable policies for those who engage.

Vitality family health insurance benefits

Here is a list of the top vitality family health insurance benefits

1) Discounts and rewards

Vitality family health insurance comes with a long list of health rewards and discounts that can be used for the whole family. Top rewards include free cinema tickets, half price running shoes, free coffee and discounts on wearable devices.

2) Digital GP service

You will also have access to vitalities unique digital GP service which provides 24/7 online access to qualified healthcare professionals. This helps you to avoid waiting days or even weeks to see your GP and wait for diagnosis.

3) Mental health support

The basic vitality family health insurance plan includes up to 8 online talking therapy or counselling sessions our standard. These can be used for any person named on the plan within the household.

Vitality Mental Health Cover Overview – CLICK HERE

What’s not covered by Vitality family health insurance?

These are the main exclusions from standard vitality family health insurance cover:

  • Chronic medical conditions such as diabetes or asthma and anything which requires routine medical treatment
  • Any pre-existing medical conditions that you have had before the plan started
  • Birth control or infertility treatments
  • Any treatment required due to self-harm, drug abuse or alcoholics

Optional extra benefits with Vitality Family health insurance

  • Out-patient cover including additional physiotherapy, specialist consultations and medical tests,
  • Therapies cover for alternative treatments such as acupuncture
  • Optical dental and hearing cover that helps to pay for treatment to your eyes, mouth and hearing
  • Worldwide travel insurance for health cover while you’re abroad
  • Option to select your own hospital and include London hospitals

Vitality Personal Healthcare Overview – CLICK HERE

Vitality Personal Healthcare Benefits – CLICK HERE

Vitality Health Insurance Hospital Lists – CLICK HERE

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Why do I need family health insurance?

Family health insurance can be a cost effective way to provide additional health cover and medical care for your whole family to compliment services provided on the NHS. The cost of family health insurance compared to personal or individual health insurance can be minimal difference for adding children.

  • Helps to avoid long waiting lists on the NHS
  • Provides additional medical protection for your whole family
  • Offers specific children’s health related conditions cover
  • Get quick and easy access to the UK’s top medical specialists

The health service provided by the NHS might be perfectly sufficient for you and your family so you should consider whether it’s worth it for you.


What does family health insurance exclude?

Each health insurance provider has its own list of specific exclusions that apply to its own policies, however there are several common exclusions to family health insurance.

  • Chronic medical conditions (e.g. Diabetes, asthma, epilepsy, multiple sclerosis etc.)
  • Pregnancy and pregnancy related complications
  • Emergency medical treatment (e.g. A&E)
  • Pre-existing medical conditions (anything experienced Prior to taking out a policy)

Note: You should check the terms and conditions within your policy documentation to make sure that you are happy and comfortable with everything that has been excluded.


How can I save money on family health insurance?

There are several things to consider that may help to save you money on your monthly family health insurance premiums. It’s always worth speaking to a qualified health insurance expert to find out what the most affordable options for you and your family.

  • Reduce the levels of cover
  • Remove unwanted benefits
  • Increase your excess amount
  • Consider health insurance with discounts and reward schemes
  • Shop around and compare different providers

It’s often quicker and easier to get proper advice from a health insurance specialist who can quickly compare quotes from several top insurance companies.

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Rated "Excellent" 5 out of 5

"This company went above & beyond to get me cover even though I have MS, I am very happy I managed to get cover, Amazing staff, Dean went above & beyond, I highly rate this company."

by Elizabeth Turner-Long - 9th August 2023

Which is the best family health insurance?

There are many different options and several top health insurance providers that offer very different benefits and discounts for families. Your circumstances might be different from someone else’s so you should make sure that whichever policy you look at meets your needs and is affordable.

How to compare family health insurance

If you’re considering looking for family health insurance to protect you and your loved ones then you should look at the various options available to you. You should also compare the costs from each health insurance provider to see which is the most suitable and affordable for you.

It’s usually easier to speak to a health insurance expert who can compare options quickly and easily from several of the top health insurance companies.

Compare the best family health insurance quotes by calling one of our experts on 0800 009 6559 or click here.

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What is the average cost of health insurance UK?

One of the top questions that people ask about health insurance is, ‘how much does it cost on average per month?’. According to recent research taken in 2023, the average cost of a health insurance is £86 per month for a standard personal protection policy. Health insurance policies can vary dramatically based on your age and the type of cover that you need, as well as which insurance provider you choose.

Most core health insurance policies will provide a similar level of protection and coverage for private medical treatments. You can tailor your health insurance policy to suit your needs and your budget by changing the benefits and levels of cover that you receive.

Is health insurance worth it?

Health insurance is the same as most other personal protection policies that you can buy, it is down to your own personal preference and attitude to risk. The other major issue is whether you can afford to pay for health insurance every month because it can be expensive.

If you ever need to claim on your health insurance policy then the benefits can be life changing and even lifesaving. The medical treatments and care that is provided by the NHS in the UK is among the best in the world, especially for chronic illness. Unfortunately, it is a well-known fact that the NHS is struggling to meet demand and that the levels of private medical treatment are generally far superior to public health treatments.

Example: If you needed knee surgery then you would have to wait for months or even years on the NHS, whereas private health insurance will give you access to better treatment, leading specialists, and within weeks usually. Rehabilitation and therapies cover that are also provided by most health insurance policies can be invaluable, especially if you are self-employed for example.

Is private health insurance better than the NHS?

Currently, the biggest issue with the NHS is the waiting times for any consultations and access to treatments, because of how stretched its resources are. The NHS provides some of the best care in the world for chronic illnesses and diseases, such as diabetes, MS, epilepsy, and asthma.

Health insurance is designed to complement and support the treatment that you can receive on the National Health Service, as well as giving you access to specialists for other medical issues such as musculoskeletal issues and cancer treatment, which are also the top reasons for claims on health insurance cover.

The main issues with NHS treatment currently and reasons for people taking out health insurance:

  • Long waiting lists for consultations, results and treatment
  • Overcrowded hospitals
  • Lack of beds
  • Shortages of NHS nurses and doctors
  • Some treatments not available (especially cancer treatments)
  • Specialists only available on private health insurance
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What is the best health insurance UK?

There are lots of different policy options when considering health insurance as well as your choice of several main insurance providers. The other consideration is whether you don’t take out health insurance and opt for receiving treatment on the NHS or paying for treatment yourself as and when you need it.

We’re constantly reviewing the top health insurance companies in the UK to find out which provide the best service, value, products and treatments. Based on our most recent reviews we suggest the following as the best health insurance UK 2023:

  1. Aviva Healthcare Solutions (Trustpilot score: 4.1 out of 5.0)
  2. BUPA Health Insurance (Trustpilot score: 4.0 out of 5.0)
  3. Vitality Personal Healthcare (Trustpilot score: 3.9 out of 5.0)
  4. Exeter Health+ (Trustpilot score: 4.4 out of 5.0)
  5. AXA PPP (Trustpilot score: 4.1 out of 5.0)
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Best Private Health Insurance 2023 - iam|INSURED

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