Child Health Insurance

Health Insurance Policies for children give the ultimate reassurance for any parent; that should your child become unwell, you can access the best possible treatment and medicines, with the minimum delay.

We understand the responsibilities of parenting are more than enough in themselves, so allow our team of expert, friendly advisers to take one job off your hands and compare the best Health Insurance policies for your child, from the market leading UK providers.

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What is Child Health Insurance?

Health Insurance for your child is a policy that covers the cost of private medical care, should they ever require it. It is every parent’s worst nightmare to have a child fall ill and it’s never something pleasant to consider. However, if the worst were to happen, Health Insurance provides the peace of mind that the very best treatments, hospitals and consultants would be available, with the minimal waiting times to access them.

What are the main benefits of Child Health Insurance?

Child health insurance offers affordable access to private hospitals, consultants, medicines and treatments. This can mean access to more cutting edge medicines or the latest treatments, which may be available privately, but not on the NHS.

It also means your child can skip the long queues sometimes associated with treatment on the NHS. Meaning diagnosis, consultations and treatments can get underway much quicker.

There are also many additional comfort benefits available to your child if they were to require treatment. Such as a private en-suite room instead of a ward, much more flexible visiting and a la carte menus to suit even the fussiest little eaters.

What conditions does Child Health Insurance Cover?

Health insurance policies for children (and adults alike), are intended for covering acute conditions. These are things that can be treated and can be recovered from such as appendicitis or leukemia.

They are not intended for covering chronic conditions, which are not curable and are much more long-term, for example arthritis or asthma.

  • 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.

Medical emergencies will also always only ever be covered by the NHS.

  • Accident and emergency
  • Chronic conditions such as asthma and diabetes
  • Stroke aftercare
  • 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.

Frequently Asked Questions

What age can a child remain on a family health plan until?

Most insurers will insure a child on the family insurance plan until the age of 21 if they are no longer in full-time education, or 24 if they are.

What is the difference between the NHS and Private Health Insurance?

As a nation we are fortunate to have a publicly funded health service, giving everyone access to treatment at little to no cost. Due to increasing pressure on the NHS, many people now face long waiting lists and delayed or cancelled treatment.

Whilst receiving private treatment you will not face long waiting lists for treatment, in fact you are likely to be seen within a week or so. Health Insurance offers you access to a choice of hospitals and treatment times that suit you, with overnight stays often being in a private room. 

How can I pay the premium?

Your premium can be paid on a monthly or annual payment plan. The most common way to pay is by direct debit – this method is accepted by all our insurers. Some of our insurers also accept payment by BACS and annual payment by cheque.

I have just had a baby – can I add them to my policy mid-term?

Yes, just notify us or your insurance company and we will add your new-born at no increase to your premium.

Can I cancel the policy?

All insurers have a “cooling off period” usually between 14 and 30 days, allowing you to cancel your policy and any monies debited will be fully refunded. Should you choose to cancel outside of the “cooling off period”, you will need to notify us and we will be able to assist you from there.

Will pregnancy be covered by Private Medical Insurance?

Private Medical Insurance companies will not cover routine pregnancy. When going into labour, there is no waiting list and you will be seen immediately by the NHS. However, should there be complications during your pregnancy or childbirth it may be covered depending on the insurer.

Can my child(ren) have their own policy?

Yes – they can have their own policy from any age, we would just need to have a parent/guardian as an alias on the policy.

Can I get cover for my child’s pre-existing condition?

A lot of motivation to look into medical insurance comes from experiencing long waiting lists on the NHS and cancelled or delayed procedures. Depending on the condition, it is unlikely it will be covered on your plan. Although, if you have a pre-existing condition speak to one of our expert advisors as there are different underwriting options that may suit your needs.