Protect your children with private healthcare insurance

Compare the leading
private health insurance providers

Compare child health insurance

All parents want the best for their children – we can’t bear the thought of them getting ill, but it’s important to be financially prepared.

The best way to do this is to take out private child health insurance. Child PMI provides peace of mind that, should the worst happen, your child will get the very best care, diagnosis and treatment – fast.

Flexible appointment times:
choose appointment times that are convenient for you and your family, to fit in around work and school.

Unrestricted visiting hours:
benefit from the convenience and peace of mind that comes from knowing you can visit your child at a time that suits you, not the hospital.

Rapid access:
get rapid access to consultants so your child can get better quicker.

Private recovery room:
get access to private recovery rooms, so your child can recuperate in comfort.

many insurers give premium discounts for including children on policies.

What conditions does private health insurance cover?

If you’re fit and healthy, private medical insurance covers most acute medical conditions. Commonly covered conditions include:

  • Cancer including palliative care, diagnosis, chemotherapy, radiotherapy, etc.
  • Heart disease including aftercare cover
  • Stroke aftercare
  • Sports injuries unless you’re a professional sports person
  • Mental health issues including counselling and psychiatric care
  • Complementary therapies such as physiotherapy and osteopathy
  • Alternative therapies including acupuncture, chiropractic, homeopathy, etc.


All insurers have exclusions, which explicitly state what isn't covered by their health insurance policies. Generally, these exclusions include anything that will only ever be dealt with by the NHS – including:

  • Accident and emergency
  • Chronic conditions such as asthma and diabetes
  • HIV & Aids
  • War, riots and terrorism
  • Dangerous sports such as base jumping, snowboarding, etc.

Each insurer has its own list of exclusions, and our expert advisers will happily talk you through what is and isn't included for any policy we sell.

Useful health insurance guides

We know insurance isn’t always the easiest subject to understand, so we’ve produced a range of helpful, plain English guides to clear up any confusion and answer your questions. Choose a guide from the list below to find out more about private medical insurance.
View all the guides

Why compare with us?

Comparing health insurance plans to find the best possible cover at the best possible price? You’re in the right place. Usay Compare works in a similar way to a broker, comparing prices and cover from market leading insurers such as Aviva, AXA and Bupa.

Unlike some insurance brokers, our service is completely free of charge. We're not tied to a single insurer, which means we’re independent, unbiased and impartial. We strive to exceed your expectations with our service every single time you get a quote from us. Be smart – compare before you buy.

  • We're honest

    "Honesty...and the best policy".
    Our mission statement reflects our desire to put you first at all times.

  • We're experienced

    We're proud to have one of the strongest and best-trained teams of advisers in the industry.

  • We're direct

    We have a straightforward, no-nonsense approach to insurance – we won't confuse you with industry buzzwords or jargon.