What is family health insurance?
Family health insurance helps take care of you if you or someone in your immediate family – your partner and your children – gets suddenly ill or injured.
You’ll be covered for short-term diseases, illnesses or injuries, including comprehensive outpatient cover and extensive cancer care. It could also give you faster access to a wider range of tests and treatments, including some that aren’t available on the NHS.
And we know there’s more to healthcare than scrubs and stethoscopes. That’s why we offer a wide range of wellbeing tools and services, including a Stress Counselling helpline, discounted gym membership, and a library of mental health resources.^
Already have individual health insurance with us? You can add your immediate family members to your policy. Any changes to your cover will affect your monthly payments.
^Non-contractual benefit which can be changed or withdrawn at any time.
How much does it cost?
The cost of your family health insurance depends on a range of factors, such as your age, location and the type of cover you choose. Once you've chosen the cover that's right for you, you'll need to keep up with regular payments to stay insured.
Family health insurance discounts
We know how important covering your loved ones is. That’s why we’ve designed our health insurance with features that could make covering your family more affordable.
- Existing customers can save up to 10% on a new health insurance policy Footnote [1].
- If you add your spouse to your cover, you could pay less than you would for two separate policies.
- If you add more than one child under the age of 20, you'll only need to pay to cover your oldest.
- You could save on your renewal premium through MyHealthCounts, our wellbeing tool.
- Each person on your policy has their own no claims discount.
- Baby bonus - where any family member covered by the policy will get £100 from us when they have a baby or adopt one up to one-year old. Premiums must be paid to date, and a 10-month qualifying period applies to members with either a moratorium or fully medical underwritten underwriting.
- If you add a new baby to your policy, they’ll get free cover for up to three months from the date of their birth.
Add more to your health insurance
How much choice will I have?
Health insurance can give your family more control over when, where, and how you access tests and treatment. We know family life can be hectic, so our cover can make it easier for you to fit appointments in around parties, playdates, and parents’ evenings.
You’ll get to pick from 100s of hospitals and clinics. You can choose upfront to get tests and treatment through Expert Select, where we use our expertise to select the best hospitals and specialists for you, or through one of our pre-packaged Hospital Options.
Want to start protecting your family's health?
Why choose us for health insurance?
Over 1.2 million people trust us to be there for them when the unexpected happens, and have health insurance with us as of May 2026.
A doctor in your pocket - get access to virtual appointments 24/7 with the Aviva Digital GP app.^
Quality you can rely on - our Private Medical Insurance has a 5 Star rating from Defaqto and Moneyfacts.
Access to trained counsellors to help you work through any personal, family, or work-related stress when you need it with our Stress Counselling helpline.
^Non-contractual benefit which can be changed or withdrawn at any time.
Learn about health insurance
We have a range of guides to help you understand how health insurance works and what you’ll be covered for, as well as tools that can help you take care of yourself.
Cover explained
Five ways family health insurance could help your family
The benefits for you and your loved ones
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Cover explained
How does private health insurance work
Explore the benefits, coverage, and limitations of private health insurance in our comprehensive guide.
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Cover explained
Are pre-existing conditions covered by health insurance?
Here's why your health insurance might not cover a pre-existing condition.
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Cover explained
Ways to enhance or reduce your health insurance
Discover the difference between our health insurance cover types, and what your options are.
BMI calculator
Find out if you're a healthy weight.
BMR calculator
How many calories does your body need?
Family health insurance FAQs
Which family members can I cover under family health insurance? Show more Show less
You can add your spouse, partner, or civil partner to your policy, as well as your children. This will make them members of your policy, and they have to be a UK resident for the duration of your policy year.
You can add new members to your policy at any time by getting in touch with us. If you or any of your family members have a baby while covered by your policy, you can add them to your policy. If you do this within three months of them being born, we'll give you up to three months of free health cover for them and we'll disregard their medical history (so no personal exclusions will apply).
What are the benefits of family health insurance? Show more Show less
Having family health insurance can give you faster, easier access to medical care when you need it, but that’s not all. It also gives you access to a range of wellbeing services to help you and your family get more out of everyday life.
It may also be more cost-effective to share a policy with your partner than taking out individual policies. You can also add your first baby to your policy for free if you apply within three months of their birth date. And you’ll only pay for one child as long as your eldest is under 20.
Discover more about the benefits of family health insurance.
How much does family health insurance cost? Show more Show less
The cost of your health insurance depends on a couple things, including the level of cover you choose as well as factors like your age and location, and the type of medical underwriting you choose.
We review your premiums every year, and they can change to reflect to overall changing costs of claims and medical inflation.
How does family health insurance work? Show more Show less
Our private family health insurance helps you manage the cost of healthcare services outside of the NHS, and you pay for it through premiums. How it works can vary from provider to provider, but it generally works like this:
- You may need to fill out a medical questionnaire before starting a policy
- Pay monthly or annually for cover
- Make a claim if you get ill or injured
- Choose where you want to be treated
- Pay an excess towards the cost (unless it’s already fully covered)
- Get a payout from the insurer.
Learn more about how private health insurance works.
Does Aviva health insurance cover pre-existing conditions? Show more Show less
We don’t usually cover you for any medical conditions you have before joining us, unless your underwriting allows it.
Insurance companies use something called underwriting to help work out the risk of insuring you. With health insurance, there are two types of underwriting. Both cover you for new, eligible conditions that crop up after your policy starts, but they deal with pre-existing conditions in different ways.
If you apply with moratorium underwriting then you don’t have to disclose any pre-existing conditions, unless there’s a claim. But with full medical underwriting, you fill in a questionnaire about your medical history, and your insurer will then let you know what symptoms and conditions they can or can’t cover.
Find out more on how we deal with pre-existing medical conditions.