Our families are at the centre of our lives, and our children are the very heart of our family. People often question whether children are covered by private medical insurance (PMI). The short answer is yes – and there are plenty of benefits involved in arranging private healthcare insurance cover for your children, too.
Private health insurance is designed to work alongside the NHS – complementing the UK’s state system, not competing with it.
Once you’ve found a PMI policy that suits you and your family, simply visit your GP as normal, and tell them you have PMI cover. They will refer you to a private specialist, who will diagnose your condition, and either treat you, or refer you to a consultant or hospital of your choice.
The major difference between NHS care and private medical insurance is that PMI enables you to choose when and where you’re treated – fitting hospital appointments, consultations and treatment around your family’s schedule and commitments.
Family health insurance covers families for acute health conditions – the ones where private treatment can return you to your original level of health quickly and effectively.
can be one or two parents listed on the policy.
many insurers offer discounts of up to 10% when you add children to your PMI policy.
‘medical history disregard’ (MHD) is an option that enables parents to add cover for newborn babies, should they need treatment. For example, if your baby was born with a heart condition that required surgery, your family PMI policy would cover the diagnosis, consultation and surgery that may be needed. This can give you valuable peace of mind that comes from knowing your baby is covered from birth.
Baby cash bonus:
many insurers pay a bonus of up to £100 cash if you have a new baby while you’re covered by their PMI policy.
some insurers, such as Aviva, only charge for the eldest child on their family private health insurance policies. All other children are covered free of charge.
If you’re fit and healthy, private medical insurance covers most acute medical conditions. Commonly covered conditions include:
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:
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.
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
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.
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