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Child Health Insurance

As a parent, you want to do anything you can for your children, especially when they are unwell.

Being able to rely on specialist care when your child sustains an injury or develops an illness can provide great peace of mind during a stressful period.

To compare children's health insurance policies and get a personalised health insurance quote, fill in the form and a specialist health insurance broker will be in touch to discuss options.

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Protecting Your Child’s Health

Being a parent is a joyful experience, but it can also be

stressful when your children are unwell or struggling with an injury.

Children’s health insurance is a policy you can take out which helps you cover the cost of private healthcare in the event of your child, or children, becoming unwell or sustaining an injury. This can be a great

comfort during such a worrying time.

Plans differ but having child health insurance may mean that you have access to faster medical care, treatments and tests that aren’t available on the NHS, treatment in a comfortable private hospital, and support and accommodation while your child is being treated. Health insurance for your child isn’t a replacement for the NHS, and it doesn’t mean that you can’t access the care that the NHS offers, but it does provide additional benefits that your child could make the most of if they become ill or injured.

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What Do You Need to Know About Health Insurance For Children?

There are a few things to remember when choosing a child health insurance policy. Firstly, you can go private for everything – A&E treatments, for example, are not covered although the NHS would still care for your children in the event of an emergency. Pre-existing conditions are typically excluded from most policies, so if your child has asthma or a similar condition, the treatment for this won’t usually be included. There are often certain hospitals and treatment centres you can use when you take out a policy, so the broader the selection of centres you want included, the more your premium will cost. If you want to be covered as well, you may want to choose a family health insurance plan instead which means that you, your partner and your dependants can all be covered. It's important to choose insurance policies that are authorised and regulated, as well as being approved by the Financial Conduct Authority. The Financial Conduct Authority protects your policy, should the company go bust, so that you remain protected.

Does My Child Need
Private Healthcare?

Child health insurance offers a number of benefits over relying on NHS care. While the NHS deliver great healthcare, resources and budgets are already strained and this can mean months of long waiting lists in order to receive the treatment that your child needs.

With health insurance, you can ensure that your child will receive specialist treatment which won’t be available through publicly-funded healthcare, as well as access to private hospitals with private accommodation.

When your child becomes ill or injured, you want to heal them as quickly as possible – private cover can help you do this more efficiently and speedily, while also allowing you to choose locations and appointments that suit you.

What Does Private Health Insurance for Children Include?

The amount of cover your child will have access to depends on the health insurance policy you take out, but most providers have several tiers to choose from, from basic cover to medium which includes outpatient costs, and comprehensive which includes physiotherapy and mental health treatment.

There are also additional policies that you can add in if they aren’t already included in your policy, such as dental care, optical care, homeopathy and mental health support.

It’s a good idea to check if there are any exclusions included in your policy, as some exclude cover for the likes of kidney dialysis, chronic conditions, pre-existing conditions and organ transplants. Likewise, if your child takes part in physical activities that could lead to injuries, these may be excluded.

How Much Does Health Insurance Cost for a Child?

Child health insurance cover costs can vary, depending on the age of your child, where you live and the provider you choose. Regions such as the North West, South East and London tend to have higher private health costs than other parts of the UK. The policy you choose can also change the cost, as comprehensive policies are usually pricier than just basic cover. However, it’s not always a good idea to just choose the cheapest option available – it’s important that you find the right policy for your needs so that your child is covered.

There are ways to bring the cost down though. Paying more in excess can help you lower the cost of health cover for your children, as well as choosing policies depending on how much cover you will realistically need. NHS care is still available to you, even if you have private care. If you reduce the number of hospitals you want to be able to choose from, this will also bring the overall cost down.

How to Compare Health Insurance Cover Quotes

When you are ready to narrow down your search, it’s a good idea to get quotes from the providers you are considering so you can determine what the best option for child health insurance. You can get quotes based on your exact needs and circumstances, as well as answer questions to find out if child health insurance is actually the best option for you.

Getting a quote is a quick and easy process – all you need to do is talk to an expert about what cover you’re looking to get and any specific factors your cover would need to have, and they can advise you further.

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The Importance of Insurance

Family life is busy, and each day can bring with it something new – when a child falls ill, it can be incredibly stressful and worrying, particularly if you don’t know what is making them ill. By choosing cover through health insurance for kids, you will have access to additional care and support when you need it the most, as well as the convenience of being able to fit treatment and appointments around your schedule. With an insurance policy, you won’t need to worry that a diagnosis or treatment will be months away – you can help your child get better more quickly with the help of private medical care.

If you'd like to compare costs and cover for child health insurance, simply fill out our quick form on this page and one of our child health insurance specialists will be in touch with some options for you.