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How much does Family Health Insurance cost?
Health Insurance costs vary from family to family. However, the premiums are based on factors:
- Number of family members needing cover
- Their individual ages
- The level of benefits you would like
- Your family’s health
- Your family’s lifestyle
Is Family Health Insurance a good idea?
Yes, Family Health Insurance can be valuable for families in the UK, especially for those who want to avoid long NHS delays.
What is Family health insurance?
Family health insurance is a type of private health cover designed to cover a whole family under one policy, working alongside the NHS. This is often cheaper than buying individual cover for each family member. The cover offers faster access to treatments, shorter waiting times, and more flexibility in choosing hospitals and specialists. These aren’t the only benefits — what's included can vary depending on the insurer.
Speak to an expert and find out morePros
- Faster access to treatment.
- Greater choice and flexibility.
- You can often choose the consultant, hospital and appointment times.
- Specialist access without long GP referral delays.
- Some policies allow quicker referral to specialists.
- Access to private hospitals and facilities.
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We make applying for medical insurance simple. Our service is completely free and there's no obligation to buy. You’re free to get your quote, take your time, and decide if it’s right for you — no pressure, no hidden costs.
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We don’t just throw quotes at you and leave you to figure it out. Instead, we take the time to understand your family’s medical needs and match you with a trusted UK insurer — so you’re not overwhelmed with options that don’t actually fit.
Cover That Gives You Confidence
With our trusted expert partners, you can have peace of mind knowing you’ve been connected to a reliable UK insurer — and that you’ve chosen a policy that suits your family’s needs, should something happen.
Approximately 7.42 million people in England are on NHS waiting lists, which is why many families choose private cover for quicker care.
Source: NHS England (2025)
Did You Know?
A YouGov survey revealed that one in eight Britons (13%) used private healthcare for themselves or a member of their immediate household in the last year.
Source: YouGov (2023)
One of the main reasons people choose health insurance is the peace of mind it offers. Illness or injury can happen at any time, and having cover in place means you're prepared. It gives you access to private treatment when you need it, helping you avoid delays and unexpected medical bills. With health insurance, you can focus on getting better — not worrying about the cost or availability of care.
No matter where you are in the UK, we can help!
We work with highly experienced partners that are able to look at your individual circumstances.
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Frequently Asked Questions
What if one of my family members has a pre-existing condition?
You can still enrol in a Family Health Insurance plan if you have a pre-existing condition, but some medically underwritten policies may exclude coverage for pre-existing conditions. In certain cases, the condition may be reviewed after two continuous years with no related treatment or medication while on the policy.
Please note that this varies by insurer, so speak to our experts.
What should I do if my family needs change?
If your family circumstances change, such as marriage, birth of a new child, adoption of a new child, or relocation within the UK. You should review your current policy and speak to an expert who can explain your available options.
Does my family get the same benefits as me (the policyholder)?
Not always – with UK Family Health Insurance, each person is insured individually under one policy. This means benefits are usually similar, but not automatically identical in every situation. Most insurers provide the same core benefits to every insured family member. This could be:
- Access to private hospitals
- Virtual GP services
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