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What is family health insurance?

Family health insurance brings the same private healthcare cover to each member of your family. You pay a monthly subscription that can cover the cost of treatment for acute conditions that develop after your family health insurance policy has begun.

Families save 10% on Bupa health insurance.

We value families at Bupa, which is why you’ll pay 10% less on your health insurance when compared to buying individual policies for each member of your family. Terms and conditions apply, see below for details‡‡‡.

Choose the right cover for you

We have two different types of health insurance cover to choose from. You choose between Comprehensive health insurance, or Treatment and Care health insurance.

You can use our comparison table to see what is and isn’t covered, and find a health insurance policy that’s suited to you.

Comprehensive health insurance



Treatment and Care health insurance


Our family health insurance benefits

Bupa private medical insurance is designed to suit your health and wellbeing needs, and you can expect all of this and more:

Learn more about family health insurance

Our useful guides are here to help you understand the fundamentals of health insurance. Not only that, but we also cover a number of key health topics – such as looking after yourself as a parent and taking care of your children’s health.

Think about what you’d like out of your family health insurance policy. We understand every family has different needs, so whether it’s fast access to treatment for your children, or 24/7 health advice, our family health insurance has it covered.

Instead of having to take out more expensive individual policies for you and your dependents (your husband, wife, or children), our family health insurance allows you to cover multiple family members under one discounted policy. You can choose to pay for your family’s health cover either in monthly or annual instalments.

Health insurance costs vary from person to person. We calculate your policy’s cost based on several factors, including:

  • the price of healthcare
  • your age
  • where you live
  • your level of cover, e.g. comprehensive health insurance costs more than treatment and care insurance
  • the amount of excess you choose
  • your medical history

For an accurate quote, you can either call us on 0808 271 4873^ or get a quote online.

You can only add dependents to family health insurance policies. This means that any members on your family health insurance policy cannot be anyone other than your spouse and/or your children. The members covered on your family insurance policy don’t have to all live at the same address – for example, your child could be a student at university.

If you're not married to your partner but would like to have a joint health insurance policy together, take a look at our couples' health insurance.

Get a health insurance quote with us now

Our health insurance is designed to suit you. You can get a personalised quote by chatting to us and answering questions about you and your health and lifestyle.

^ We may record or monitor our calls. Lines are open Monday to Friday 8am to 8pm and Saturday 9am to 12.30pm.

‡‡‡Families save 10% with Bupa:

10% saving applies to family cover which includes one adult or more and one or more children. The savings apply to family cover with children on their policy compared to the price of individual cover for each family member. Savings only apply to Bupa By You core insurance. We reserve the right to amend or withdraw our family rate at renewal.

Please be aware that information you send to this email address may not be secure unless you send us your email through Egress. For more information and to sign up for a free Egress account, go to https://switch.egress.com. You will not be charged for sending secure emails to a Bupa email address using the Egress service.

‡‡ Direct Access telephone services are available as long as the symptoms are covered under the policy. If your cover excludes conditions you had before your policy started, we’ll ask you to provide evidence from your GP that your symptoms are not pre-existing for a period of up to two years from policy start date (or five years in the case of mental health) before we can refer you to a consultant or therapist through the Direct Access service. For rolling moratorium underwritten members we will ask for evidence each time you claim for a condition not claimed for before. Always call us first to check your eligibility.

With Bupa Cancer Cover there are no time limits and all your eligible treatment costs are paid in full for as long as you have Bupa health insurance. You must use a hospital or health centre from the Bupa network and a consultant that we recognise and charges within Bupa rates (a fee-assured consultant).

†† Access to eligible breakthrough cancer drugs and treatments often before they are available on the NHS or approved by NICE as long as they are evidence-based. Applies to eligible cancer drugs and treatments covered by your policy. Bupa will not fund for genetic testing when used solely for the purpose of screening.

††† Customers who live in the Isle of Man do not have access to Digital GP provided by Babylon but can access GP24 provided by HealthHero.

Digital GP services are provided by Babylon Healthcare Services Limited. Registered in England and Wales No. 09229684. Registered office: 60 Sloane Avenue, London SW3 3DD.

Bupa Anytime HealthLine and Digital GP are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

Everyday Rewards is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.

Everyday Rewards by Bupa is promoted by Bupa Investments Limited, 1 Angel Court, London EC2R 7HJ and administered by Paragon Customer Communications Limited, Evolution House, 12 Choats Road, Barking, Dagenham, RM9 6BF. Terms and conditions can be found at bupa-rewards.bupa.co.uk/terms-conditions

Bupa Investments Limited and Paragon Customer Communications Limited will use your information for the purposes of the administration of Everyday Rewards. For details of how your information will be processed by Bupa, please visit: bupa.co.uk/privacy

Bupa health insurance is provided by Bupa Insurance Limited. Registered in England and Wales No. 3956433. Bupa Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Arranged and administered by Bupa Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No. 3829851. Registered office: 1 Angel Court, London, EC2R 7HJ.

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