Family health insurance made for real life
From toddlers to teens, Vitality supports every stage of family health.
What is family health insurance?
Family health insurance is a single health insurance plan that covers you, your partner and your children under one plan.
It gives your family faster access to private healthcare when you need it — from everyday GP advice to specialist treatment — without relying solely on the NHS.
That can be especially reassuring when children are unwell, injuries happen, or you want extra support for mental health and wellbeing. With Vitality, family health insurance also helps you stay well, not just get treated. Alongside medical care, you get tools, guidance and rewards that encourage healthy habits for the whole family.
Private family healthcare for when you need it
For family members covered on the plan, get fast answers and expert support, anytime.
For fast answers to your toddler’s sickness – even at 2am
Use our Vitality GP service for video calls, appointments or referrals.
And our Health Advice Line, supported by clinical advisors, is available 24/7, so you get help when you need it.
For your son’s twisted knee. Or your daughter’s ankle sprain
Physiotherapy is included as standard.
Get fast access with no GP referral needed.
To help support your teenager’s mental health
Teenagers can talk to trained counsellors through our mental health support.
Includes help with stress, anxiety and emotional support.
For your family’s long-term health
What's included in family health insurance
Vitality health insurance covers you and your family for everyday health.
You’ll have access to:
- Virtual GP appointments for everyday concerns
- Private hospital treatment, including tests, procedures and surgery
- Physiotherapy support
- Mental health support
- Cancer care if it ever happens, from diagnosis through to treatment
- Access to leading hospitals nationwide, with a choice of hospital lists
- Fast access to medical advice
- Rewards for staying healthy
Simple as that: Support to stay healthy as a family and live life well.
How Vitality family health insurance works
Getting cover for your family is straightforward.
Choose who you want to cover
You can include yourself, your partner and your children (including step children and adopted children) on one plan
Pick cover for your family
You’ll get core cover as standard, then add optional extras like dental, optical or worldwide travel cover if they’re right for you.
Get support when you need it
Use Vitality GP services for everyday health concerns, book physio directly, or access mental health support — all without long waits.
Manage it all in one place
You can manage your family’s cover online, get treatment approvals quickly, and access support through our digital tools.
Get rewards for healthy living
By staying active and looking after your health, you can earn rewards the whole family can enjoy.
What’s covered for children?
Vitality family health insurance is designed to support children at every stage — from toddlers to teenagers.
Along with the core cover, children covered on your plan can benefit from:
- 24/7 health advice for everyday illnesses and worries
- Fast GP access for reassurance and referrals (for children aged 1 or above)
- Physiotherapy for sprains, strains and sports injuries
- Mental health support for children and teenagers who need extra help
- Specialist treatment when it’s clinically appropriate, including cancer care
It’s about giving you peace of mind — and helping your child get the right support, sooner.
What’s covered for parents?
Alongside supporting your children, family health insurance gives parents fast access to care that fits around busy lives.
Along with the core cover, parents can access:
- Video GP appointments and health advice
- Specialist consultations with shorter waiting times
- Physiotherapy without needing a GP referral
- Mental health support, including talking therapies
- Private hospital treatment for tests, procedures and surgery
- Cancer care with support before, during and after treatment
You’ll also get help staying well, with health insights, lifestyle support and rewards for healthy habits.
How much does family health insurance cost?
The cost of family health insurance depends on a few things, including:
- How many people you want to cover
- The level of cover you choose
- Any add ons you include
- Your excess and payment preferences
For many families, having everyone on one plan can be simpler and more cost effective than arranging separate cover for each parent.
You can adjust your cover to suit your budget, and we’ll guide you through the options so you can find a balance between cost and peace of mind.
All-in cancer care, to help keep the family on track
When a parent gets a cancer diagnosis, it can affect the whole family. We’re there every step of the way – before, during and after treatment - to help reduce the worry, at least a little, for everyone. Our team of specialist consultants are here to take the very best care of you.
What’s included in Advanced Cancer cover?
If cancer ever happens, Vitality is there to support your whole family — not just the person being treated. Advanced Cancer cover includes:
- Fast access to diagnostic tests
- Specialist consultations and treatment
- Surgery, chemotherapy and radiotherapy, where appropriate
- Ongoing recovery and follow up care
- Access to emotional support, including counselling
- Help coordinating care, so you’re not managing it alone
We focus on keeping family life on track as much as possible, with support every step of the way.
Upgrade your family health insurance with add-ons
Like cover for dental treatment, alternative therapies or worldwide travel insurance
How much cover do I need?
You can choose your level of cover and we'll help guide you.
Or call us on 0330 678 3326
Call charge information
Calls to '03' numbers cost no more than a national rate call to a 01 or 02 number, whether from a mobile or a landline. If you get inclusive free calls to local rate numbers with your landline or mobile tariff, calls to '03' numbers will be included.
*Call centre opening hours: Monday to Thursday 9am-8pm, Friday 9am-6pm, Saturday 10am-2pm Closed: Sunday and bank holidays.
Vitality gives rewards the whole family can enjoy
Make family time more rewarding. Walk run, dance, play — keep moving and you could choose rewards like:
- Discounted cinema tickets with ODEON or Vue
- 30% off up to four Merlin Attraction tickets every four weeks
- Savings on fitness gear, healthy food, hotels and more
Plus, you'll get tips and tools to help your family stay healthy together.
Relevant guides and articles
Private family healthcare FAQs
Got questions? Here are some basics on family health insurance.