Expert, whole-of-market advice on family private medical insurance. One policy covering your partner and children -- fast access to private treatment when any member of your family needs it most.
Independent, whole-of-market advice. One adviser for the whole family. Cover that genuinely fits how you live.
Partner and children covered on a single plan -- simpler to manage, easier to claim on, and often more cost-effective than multiple individual policies.
We compare Aviva, AXA Health, Bupa, Vitality, The Exeter, WPA and more -- and recommend the family plan that genuinely fits, not the one that pays us most.
Montgomery Financial is authorised and regulated by the Financial Conduct Authority. Advice that's on the record -- and that we stand behind.
When it comes to your family's health, waiting isn't an option. Family health insurance gives you fast access to private medical care when you need it most, so you can focus on getting better rather than sitting on a waiting list. Whether you're looking for comprehensive health cover or a more tailored plan, we're here to help you find the right solution to suit your family.
Health insurance is designed to cover the cost of private medical treatment, giving you and your loved ones access to private healthcare without relying solely on the NHS. A family health insurance policy allows you to protect your partner and your children under one policy -- rather than taking out individual policies for each person -- which is often more convenient and cost-effective.
Family health insurance can offer fast access to specialists, private hospitals, and treatments, giving you genuine peace of mind when your family needs it most.
Sometimes known as private medical insurance, this type of cover sits alongside the NHS rather than replacing it. Private medical care means you can often choose your consultant, your hospital, and your treatment at a time that suits you -- without the uncertainty of long waiting times.
The cover you choose will depend on your insurer and the level of cover you select, but most policies usually cover:
GP services -- including 24-hour GP access and a helpline so you
can speak to a healthcare professional whenever you need to.
Outpatient cover -- for consultations, diagnostics, and specialist
referrals.
Cancer care -- fast access to treatment at a time when speed
matters most.
Mental health support -- including talking therapy or counselling
sessions included as standard with many insurers.
Dental insurance and optical add-ons -- protecting everyday costs
for the whole family.
Cash plans -- for everyday health costs such as eye tests and
physiotherapy.
Health insurance is designed to give you access to private hospitals and specialists quickly. It's worth understanding that many health insurance plans usually cover acute conditions -- those that are new and unexpected -- and most insurers will assess your medical history and any pre-existing conditions when calculating your premium.
Always speak to an adviser to understand exactly what's included in your cover and to make sure the health insurance cover you select matches your family's needs.
Whether you're looking at individual health insurance or a family plan, there are important differences to consider. Individual policies for each person can work well in some circumstances, but bringing everyone under one policy through family health insurance is often simpler to manage and better value.
A single family health insurance plan covers your partner and your children, allowing you to personalise the cover options for everyone at once rather than juggling multiple policies. Many health insurance providers allow you to add children to an existing policy at a reduced rate or even at no extra cost, making family cover an attractive option for growing households.
The cost of family health insurance depends on several factors, including the ages of those covered, your medical history, pre-existing conditions, and the type of cover you choose. Your premium will reflect the level of cover you select and any optional extras you add. Every premium is entirely subject to your personal circumstances -- so the only way to know what your family will actually pay is to get tailored quotes.
In 2026, there's more flexibility than ever to find a plan that fits. You can adjust your excess -- starting from as little as £100 -- and choose the cover options most relevant to your family. Whether you want a comprehensive private health insurance plan or a more basic health and wellbeing package, there's a solution to fit most needs and budgets. These figures are illustrative only and not a quote.
To find out how much your cover could cost, get a quote today -- it only takes a few minutes.
Navigating the range of products available can feel overwhelming. That's where independent insurance advice makes a real difference. Our advisers will help you understand your options, compare health insurance plans from leading insurers, and help you decide on the right level of cover for your circumstances.
We take the time to understand your family's needs before recommending anything. You won't be passed to a bot -- you'll speak to a real person who can counsel you properly, answer your questions, and make sure you're getting the best health insurance for your budget.
Put simply -- what we do is shop around to save you money. Even if you already have a policy in place and have been sent a renewal quote, we will often go back to your existing insurer and negotiate that number down further, while making sure the cover itself still stacks up for the whole family. The goal is always the same: the best cover at the best price, every year.
We offer access to a wide range of products, including private medical insurance, income protection, life insurance, protection insurance, and employee benefits -- so whether you're looking to protect just your family or your employees' health too, we can help.
Our advisers are available during opening hours, and calls may be recorded for training and quality purposes.
Many families choose to combine their health insurance policy with life insurance and income protection for a complete financial safety net. Life insurance provides for your loved ones if the worst happens, while income protection replaces part of your salary if illness or injury leaves you unable to work.
UK health insurance works best as part of a broader protection plan. Our team can help you build a package that covers health and wellbeing, life insurance, and group life cover if needed -- all tailored to suit your family's specific circumstances.
Any firm offering insurance advice in the UK must be authorised and regulated by the Financial Conduct Authority. Being FCA-regulated means the firm meets strict standards on how it handles your personal information, earns commission, and treats you as a customer.
If something goes wrong, regulated customers also qualify for the Financial Ombudsman Service -- an important layer of protection that unregulated advice simply cannot offer. Montgomery Financial is authorised and regulated by the Financial Conduct Authority.
Protecting your family's health doesn't have to be complicated. Our expert advisers are here to help you understand your options, compare cover, and get a quote quickly and simply. Call us on 01933 829 444 or book a callback online.
Don't wait until you're unwell -- the best health insurance is the one you have in place before you need it. Get in touch today and take the first step towards protecting your family's health and wellbeing in 2026.
We compare cover from Aviva, AXA Health, Bupa, Vitality, The Exeter, WPA and more -- and recommend the family plan that fits, not the one that pays us most.
Charles sorted family cover for me, my wife and the two boys on a single plan -- compared every major insurer and explained the differences clearly. When our youngest needed a specialist referral last month it was seen within a week. Invaluable.
Book a free 20-minute call with Charles. We'll map out your options, give you real family quotes, and you can take it from there -- or not.
Charles Breen is a Registered Individual of BrokerSync Ltd, which is authorised and regulated by the Financial Conduct Authority (1031981). BrokerSync Ltd is registered in England and Wales (16318056).
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