Family Health Insurance UK

UK family health insurance typically costs £150–£400/month for a family of four depending on age, postcode and cover level. Aviva, Bupa and Vitality are the most commonly placed providers for families, with Aviva's Healthier Solutions particularly flexible for mixing parent and child cover levels.

• Family PMI bundles two adults and dependent children under a single contract. That means one underwriting cycle, one premium direct debit, and one renewal conversation each year — administratively far simpler than four standalone policies. Insurers define a dependent child as under 18 (or under 24 in full-time education) living at the policyholder's address.
• Most families come to us when an NHS paediatric wait — orthopaedics, ENT, CAMHS, dermatology — has crept past the point a parent is comfortable with. Private paediatric consultants typically see a child within 5–10 working days of referral, and treatment follows days rather than months later. The parents then discover how useful PMI is for themselves (physio, MRI scans, consultant-led outpatient) and renew year after year.
• Provider choice matters for families. Some insurers (Aviva, Vitality) allow different cover tiers per family member — full outpatient for parents, inpatient-only for children — keeping cost down without sacrificing surgical cover where it counts. Others (Bupa, AXA) require uniform cover across the family, which can push premiums higher if the parents want comprehensive cover but the children rarely need outpatient.

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.