Hospital treatment
Eligible inpatient and day-patient treatment, such as planned surgery, subject to your policy.
Explore coverA healthier tomorrow.
For brighter family days.
Health cover for the people who matter most.
Explore private health insurance options for your family, with clear guidance on cover and costs.
For new cover. For renewals. For your family.
More time for what matters.
Let’s start with you
Who would you like to cover?
Choose the option that best fits your family.
Made for real family life
A little more choice.
A lot more clarity.
When someone you love needs care, understanding your options can make a real difference.
Family health insurance can help pay for eligible private treatment, alongside the NHS. The right starting point is knowing what matters to your household—and what a policy can and cannot do.
We make the key questions easier to navigate, from covering children to reviewing a renewal.
Understanding your options
What could your family cover include?
Tests & consultations
Outpatient options can help with specialist consultations and diagnostic tests. Check the limits carefully.
Explore coverSupport for children
Explore children’s eligibility, hospital arrangements and the benefits that fit your family.
Explore coverBenefits depend on your chosen policy. Existing conditions and ongoing chronic care are generally excluded, subject to underwriting.
Insurers & family benefits
Little differences.
A big part of your decision.
Sibling discounts, payments for a new baby and support when a child needs hospital care. Look at what each insurer actually offers.
BupaAvivaVitalityFreedomAXA HealthThe ExeterWPA
Pay for fewer children
Some insurers charge for only the eldest qualifying child. Age limits and family-size rules differ.
Explore coverWelcome a new arrival
Explore qualifying birth payments and the deadlines for adding a newborn to your policy.
Explore coverPlan for practical support
Compare parent accommodation, local paediatric access and the cover behind the extras.
Explore coverSelected published benefits, checked October 2026. Eligibility and policy terms apply. These insurers are editorial examples, not a statement of our panel.
Every family
has its own
shape.
Cover that starts with your circumstances
Your family.
Your starting point.
A clearer picture of cost
What will your family’s cover cost?
There’s no single price for a family.
Your ages, postcode and cover choices all matter. A useful comparison looks at benefits and exclusions alongside the monthly premium.
Understand the costs01Who is covered
Adult ages and how an insurer prices children.
02The cover you choose
Outpatient limits, hospital access and extras.
03Your share of the cost
The excess and how it applies to each person.
Already covered?
Let’s review
your renewal.
If your premium has gone up, take a fresh look at your options. Compare the cover as well as the price—and check switching terms before changing anything.
Review my renewalKeep what matters.
Reconsider the rest.
Simple from the start
Three steps to a more informed choice.
Tell us about your family
Start with who you want to cover and whether you already have a policy.
Talk through your options
Send an enquiry or use WhatsApp to discuss what matters, including your budget and existing cover.
Compare before you decide
Review benefits, exclusions and terms before choosing whether to take a policy.
A few things worth knowing
Your questions, answered.
Is family health insurance a replacement for the NHS?
No. It works alongside the NHS. Emergency care and the ongoing management of chronic conditions generally remain outside private medical insurance cover.
Can I cover my children without covering myself?
Some insurers offer children-only cover. Minimum ages, who can arrange the policy and available benefits vary, so check the insurer’s rules.
Are pre-existing conditions covered?
They are generally excluded on new personal policies, depending on the underwriting terms. Switching an existing policy requires particular care; continued terms are not automatic.
Will a family policy always be cheaper?
Not necessarily. Some insurers offer family discounts or price additional children differently. Compare like-for-like benefits and the total household cost.
A parent’s perspective
The questions behind the policy.
Which hospitals treat children?
Explore published paediatric facilities at Portland, Cromwell, Spire Bristol and Spire Manchester, including important age limits.
Explore coverWhat have other families valued?
Read selected Reddit experiences about continuity, specialist access and useful extras—with their limitations made clear.
Explore coverA little clarity goes a long way
Let’s find a starting point
for your family.
Tell us who you want to cover. We’ll help you take the next step.
Compare family coverOne family.
Different needs.
Thoughtful choices.