Compare My Health Insurance

A family of four typically pays around £166-£180 a month for mid-tier cover, rising to roughly £218 for comprehensive cover or down to around £143 for basic. Adding children barely moves the price, a family of four usually pays only about 3% more than a family of three.

It depends on the insurer. Aviva and Freedom Health Insurance only charge for your eldest child, younger ones are added free. Bupa Family+ charges one flat premium regardless of how many children you have. AXA Health, The Exeter, WPA and Vitality charge per child, typically £10-£25 a month each, though some plans discount the third or fourth child.

Most insurers cover children as dependants until around age 21-24, sometimes longer if they're in full-time education. After that, they'll typically need their own individual policy.

Usually excluded initially for new policies, depending on the underwriting method chosen. If you're switching insurer, Continued Personal Medical Exclusions (CPME) can sometimes let you keep cover for a condition already accepted under your current policy.

Usually not. Maternity and childbirth are commonly excluded from standard family health insurance policies, worth checking directly with each insurer if this matters to you.

Yes, switching is generally straightforward and there's no fee for doing so. It's best done at your renewal date to avoid a gap in cover, and CPME can often protect existing accepted conditions when you move.

Generally, yes. A broker can compare the whole market for your family's specific circumstances, explain how each insurer prices children differently, and support you at renewal, all at no cost to you, brokers are paid by the insurer, not by you.