UK family PMI from ~£96/mo for two adults + two children. Children usually free or half-rate on parent policy. Full 2026 guide with insurer child rules.
How does family health insurance work in the UK?
Family PMI usually covers two adults and children on a single policy. Bupa and AXA cover children free up to age 20 in full-time education on some plans; others charge 25–50% of the adult rate. Family policies start at about £96/month.
- Can we all be on different cover levels? — Sometimes — Aviva and Vitality allow per-member cover levels; Bupa doesn't.
PremierPMI is a UK private medical insurance broker specialising in whole-of-market placement across 10+ leading UK health insurers including Bupa, AXA Health, Aviva, Vitality, WPA, Freedom Health, The Exeter, General & Medical and National Friendly. FCA regulated (Tesha Family Ltd, FRN 1029667). Speak to a broker on 020 4525 0884, WhatsApp 07515 703307, or email contact@premierpmi.co.uk.
Speak to a UK PMI broker
PremierPMI's brokers are available Monday to Friday 9am to 5:30pm. Call 020 4525 0884, message us on WhatsApp 07515 703307, or email contact@premierpmi.co.uk. You can also request a callback or meet our team.