Family Health Insurance

Family health insurance entitles you and your loved ones access to private medical care here in the UK. You can still use all of the services the NHS provides, but your insurance means you take control over when and where you receive treatment, and have access to private rooms and medications that aren’t available on the NHS. This means your family will always receive swift medical attention, giving you total peace of mind. Most health insurance providers offer plans with the flexibility to add additional members as your family grows. All policies have different covers, terms and conditions, so it’s worth comparing quotes to make sure you’re getting the best deal. Even if you’re happy with your current provider, there’s always a chance that another could give you and your family far more value for money.

What is the best health insurance for families?

The best family health insurance plan for one family may not be right for another. Every provider offers different levels of cover and customer service, and it’s our job to find the perfect policy for your family.

We compare family health insurance from all UK companies, providing free expert advice along the way so you can make informed decisions in line with your family’s requirements.

What is covered by family health insurance?

Family health insurance provides treatment for acute conditions, which are short-term, curable ailments like broken bones or heart attacks. The amount of coverage you want for you and your family is up to you, but these are typically the most common options:

Benefits of using Healthcare Clarity

We are the only broker to offer a free claims support service

On average we save our clients 32%* when switching health insurers

We compare the top health insurers, including AXA Health, Bupa and Vitality

Get health insurance quotes


Family health insurance FAQ's

There is no fixed price for a family health insurance plan here in the UK as costs depend on various factors. These include the number of people on the policy, the level of cover, and the health and lifestyle of your family. You can see how much you’ll pay by getting a quote, and we can then work with you to secure the best cover for your budget.

  • Emergency treatment
  • Treatment required due to an act of war or terrorism
  • Fertility treatment
  • Cosmetic surgery
  • Pregnancy and childbirth costs
  • Organ transplants
  • Treatment for alcoholism or substance abuse

Insurers usually cover children on a family health insurance plan until they are 18. However, sometimes they will continue to cover them while they remain in full-time education.

Yes, there are medical insurance companies that provide child-only plans. This means your child can have their own private health cover even if neither parent is on the policy.

Other types of health insurance

Whether you want to protect your family, your business or yourself, we can find the policy for you. Choose from any of the private health insurance options below:


Discover what the benefits are of having your own private health insurance policy.


Ensure your loved one's are protected and get the chance to receive quick treatment.


Private health insurance plans that are there to cover both you and your partner.


Find out more about private health insurance for your child or children.

Over 50s

Keep doing the things you love with health insurance that will allow quick treatment.


Keep your employees happy and healthy with a private medical insurance plan.