More than one child?
Compare sibling pricing using every child’s age. Age limits and how many children qualify vary by insurer.
Explore coverDifferent insurers. Different family benefits.
Find the differences
that matter to your family.
Compare children’s pricing, new-baby benefits and practical support across seven UK health insurers.
Sources checked 26 October 2026 · Benefits can change. Check your quotation and policy wording.
At a glance
Family cover, side by side.
This is a comparison of selected published benefits, not a ranking or a statement of our insurer panel. A lower child premium is only useful if the policy also fits your treatment needs, local hospitals and budget.
On a small screen, scroll the table sideways to compare all four columns.
| Insurer / product | How family pricing works | Family benefits to explore | What to check / source |
|---|---|---|---|
| Bupa | Bupa By You: eligible families receive a 10% family discount. With two or more children aged 19 or under, only the eldest is charged. | Parent accommodation for eligible treatment of an insured child under 18. | Check qualifying ages and renewal terms. Bupa family cover ↗ |
| Aviva | Only the oldest child under 20 is charged; younger children under 20 are free. | £100 qualifying baby bonus; a separate offer applies when adding a newborn early. | Newborn and cash-benefit conditions differ. Aviva family cover ↗ |
| Vitality | Its family page says you pay for the eldest child, with no extra premium for siblings. Confirm qualifying ages in your quote. | £100 qualifying birth/adoption payment. Activity-based rewards have their own eligibility rules. | Check the ten-month birth-payment qualifying period. Vitality family cover ↗ · Core benefits ↗ |
| Freedom | For families with up to three children, only the first child is charged. Larger families have a maximum charge for four children. | Freedom Elite includes a £150 maternity cash payment after the qualifying period. | Children can stay covered until their 25th birthday. Ask for pricing if you have four or more. Family FAQs ↗ · Elite benefits ↗ |
| AXA Health | AXA Health Plan allows different cover choices for family members, including relatives at different addresses. | Parent/guardian accommodation during a child’s eligible hospital treatment; support services for families. | Ask for plan-specific child pricing. Do not assume offers for older AXA products apply. AXA Health family cover ↗ |
| The Exeter | Health+ has an individual no-claims discount for each insured person. | Parent accommodation for a child’s eligible treatment, subject to its age limit. | One person’s claim does not reduce everyone’s no-claims discount; this does not freeze premiums. Health+ core cover ↗ |
| WPA | Complete Health allows different excess amounts for different family members. | Individual no-claims discounts can help separate the effect of claims within a family. | Compare the chosen options, including cancer cover. Confirm child premiums. Complete Health ↗ |
Start with your family
Look past the headline offer.
A baby on the way?
Check birth-payment qualifying periods and the deadline for adding your baby. These are separate benefits.
Explore coverA hospital in mind?
Confirm the child’s age, procedure, consultant and hospital are all eligible before booking.
Explore coverMake the comparison fair
Ask for the same cover in every quote.
- Match outpatient limits, diagnostic cover, cancer options and hospital lists.
- Check whether the excess applies per person, per claim or per policy year.
- Understand underwriting and any exclusions for existing symptoms or conditions.
- Ask what happens when children reach the age limit or leave education.
- Compare the total annual premium after discounts, not just the child’s price.
Where no free-child or birth-payment offer is shown, this means we have not established one from the sources used here; it is not a claim that no such benefit is available.
A little clarity goes a long way
Let’s find a starting point
for your family.
Tell us who you want to cover. We’ll help you take the next step.
Compare family coverOne family.
Different needs.
Thoughtful choices.