Founder and Editor
We're often asked what the average cost of family health insurance is in the UK. While our private medical insurance brokers can always make a rough estimation, it's only based on their recent experience. As it's a question that comes up so frequently, we've got quotes from the leading providers to give you up-to-date average prices of family private health insurance in the UK.
Before we get into this article, we must point out that the averages we have provided are based on several assumptions. The cost of your family's policy will be different. The best and quickest way to find out what it would cost for your family is to request a comparison quote.
If you are interested in knowing the average cost of health insurance for individuals, read this recently completed guide where we obtained over 700 quotes from the leading health insurance companies.
Private medical insurance is one of the more complicated types of cover you can take out in the UK. Most plans are incredibly configurable, and we as individuals are very different from each other. Add into the mix more people, i.e. a family of 3, 4, 5 or more. You've got an enormous number of variables that will affect the cost of your policy.
All of the following factors will affect the cost of your family's private health insurance:
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Many people that speak to us and take out health insurance policies are keen to have physiotherapy and, in some cases, other complementary therapies included in their policies. While some health insurers will cover these as standard, not all will. So if you lead an active lifestyle and having the ability to see a physiotherapist in the event of injury is essential to you, be sure to check that it's included. As with all options and parts of your health insurance, talking with a broker will help to ensure you have the cover you need.
To give you a rough estimate of the cost of family health insurance, we will need to do several things. Firstly, we'll break things down by family size - providing health insurance pricing for families of 3, 4 and 5 people.
With many factors affecting the cost of private health insurance policies, we need to make some decisions on behalf of the hypothetical families to make meaningful comparisons. To minimise the impact of where you live on the prices, we'll request quotes based on ten locations around the UK and then average the results. The quotes will all be based on moratorium underwriting, effectively excluding any conditions you've suffered from in the past five years.
"Did you know that with moratorium underwriting, if you don't suffer any symptoms relating to an excluded pre-existing condition for two years after taking out a policy, it will become covered under your policy?"
We need to be consistent with all of our private healthcare quotes so that they will be based on the following:
Our experienced health insurance brokers compare different providers and their cover options for you
The below quotes show the average cost of health insurance for a family of 3 in the UK in 2022.
As you can see, the cost of health insurance for a family of three rises substantially based on the adults' ages. As we'll show in the following sections, adding children more children to a policy doesn't have such an impact.
Disclaimer: While every care has been taken to make these averages representative, the private health insurance prices provided are purely examples; the cost of your policy will be different. Please request a comparison quote to find out what a policy would cost for your family.
The table below shows the average cost of health insurance for a family of 4 in the UK in 2022.
Disclaimer: While every care has been taken to make these averages representative, the private health insurance prices provided are purely examples; the cost of your policy will be different. Please request a comparison quote to find out what a policy would cost for your family.
The table below shows the average cost of health insurance for a family of 5 in the UK in 2022.
Disclaimer: While every care has been taken to make these averages representative, the private health insurance prices provided are purely examples; the cost of your policy will be different. Please request a comparison quote to find out what a policy would cost for your family.
Disclaimer: This information is general and what is best for you will depend on your personal circumstances. Please speak with a financial adviser or do your own research before making a decision.
Chris Steele is myTribe’s trusted expert in private health insurance and healthcare, with over a decade of experience in the field. As the Founder and Editor of myTribe Insurance Experts, Chris is a Chartered Insurance Institute (CII) qualified professional with certifications in Insurance, Legal and Regulatory (IF1), Healthcare Insurance Products (IF7), and Insurance Broking Fundamentals (I10). Chris’s research and insights are regularly cited by national media, and he has contributed to leading consumer finance publications, simplifying complex topics to help consumers better understand private medical insurance. His expertise spans private health insurance, market analysis, and health insurance regulations, making him a respected voice in the UK insurance market.
The average cost of a family health insurance policy in the UK is £139.37 per month, based on two adults in their 40s and two children under 15. However, what you pay will be different as many factors affect the cost of health insurance. Please request a comparison quote to find out how much a health insurance policy would cost for your family.
The following providers and policies have five-star Defaqto ratings; Aviva Healthier Solutions; Axa Personal Health, Bupa By Your Comprehensive; Vitality Personal Healthcare; The Exeter Health+. WPA Premier and Elite. Which is best for your family will be down to preference and price, and you should always compare policies before deciding.
The easiest way to choose the right policy for your family is by speaking to an independent health insurance broker. You don't pay for the service they provide, and they will help you navigate the often complex world of private medical insurance.
Several factors will affect your family's health insurance; some you will have control over, others you won't. Typically the things which affect the price most dramatically are the age of the adults on the policy, where you live, how many children are included, and the level of cover required.
In most cases, barring any provider promotions, you can expect your policy to increase in cost as you age and to factor in increases in the cost of accessing private healthcare. With this in mind, it's always sensible to have your health insurance broker review your policy each year to make sure you're still getting the best deal. With many of the best providers having highly rated products, you can often switch without losing significant benefits.
You can get a comparison quote by visiting our website and clicking on the request a quote button. An independent, FCA approved adviser will then compare policies on your behalf and get in touch to talk you through the options.
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*Based on 461 quotes between 01/22-01/23
