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Helping your children access private healthcare

Health insurance aims to provide your children with access to private diagnostics and treatments via a private health insurance policy. Each individual policy depends on what cover you choose and how much you pay. Children have unique health needs, and providing them with private healthcare may allow them to have fast access to health specialists, treatments and provide you with extra peace of mind.

Is children’s health insurance right for your child?

Understanding the coverage options, services, and wider benefits of children’s health insurance will help you understand whether it’s the right choice. There are many factors to consider, and every provider structures its policies in different ways. Some of the things you need to consider are listed below, and you can contact us if you have any questions about children’s health insurance.

Children’s health insurance benefits

There are plenty of benefits with children's health insurance. Each provider has a modular product which you can tailor to meet your own needs. Going through a process with an advisor will help you to understand which level of cover meets your requirements. See below some benefits of private medical insurance:

Flexibility over when and where your child is treated

Access to a wide range of drugs and treatments available through the provider

Instant access to health services, such as 24/7 helplines, digital resources and more

Virtual GP appointments

Access to accommodation for parents when their children get ill

Fast access to appointments

Accessible visiting hours

Tailored plans

Little girl covered in paint

Common exclusions for children’s health insurance

Children’s health insurance policies will often have exclusions that are relevant to all health insurance due to the nature of each policy. Providers will often exclude the following:

  • Pregnancy and child birth
  • Chronic conditions, such as diabetes or asthma
  • Cosmetic treatments and surguries
  • Organ transplants
  • Hearing aid devices
  • Kidney dialysis
  • Medical conditions that are a result of professional sports

How much does children’s health insurance cost?

The price you pay depends on many factors, such as:

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Age of child

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Number of Members

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Medical History

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Policy level

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Cover options

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Hospital Directory

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Insurer

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Address

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Excess

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NHS 6-week wait

What level of cover do your children need?

All providers offer different levels of cover. Policies range from basic to comprehensive, with the option to include additional treatment add-ons.

Every provider has different levels of cover to choose from which may make it difficult to compare. As a general rule, the standard policies will offer less coverage, in comparison to the comprehensive, top of the range packages which offer the broadest level of cover. Some of the policy levels you may be able to choose from include:

  • Basic
  • Standard
  • Comprehensive
  • Cash plans
  • Inpatient only
  • Inpatient and outpatient
  • Extra policy additions

Family health insurance

If you are looking to have other members covered, a child only policy may not be the right option for you. Family health insurance policies cover multiple members. If family health insurance sounds like it would be the better option for you, you can learn more by visiting our dedicated page or speaking with an advisor.

Helping you find your children's health insurance policy

Use our no obligation services for a hand finding the best children's health insurance policy for your circumstance.

I was kept well informed at all stages, dealt with in a kind an courteous fashion and their findings exceeded my expectations at the conclusion.
- Trusted customer, Feefo
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Compare health insurance for kids

If you’re interested in finding out more about children’s health insurance and understanding which policies are available to you, our no-obligation comparison process aims to provide you with the information you need. Just get in touch with us, and we’ll support you throughout the process, providing an unbiased perspective on children’s health insurance and offering information about the top UK providers. To contact us, follow the process below:

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Complete our online form

Whether it’s just your contact information, questions you need answering, or a background on why you’re looking for children’s health insurance. Let us know you’re interested, and we’ll get in touch with you.
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Speak to an independent advisor

Someone from our team will contact you and aim to answer all of your questions. We’ll ask for certain information to help us search the market for the most suitable policy for you, and you’re under no obligation to make a purchase after providing us with the relevant details.
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Whole of market comparison

With information about your needs, we’ll search the UK health insurance market with the aim to find the most suitable and comprehensive cover available for your child that is within a premium that suits your budge also covers you for the most conditions. We’ll present you with this information and let you know the other options you have, such as increasing or reducing your coverage.
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Policy purchase

When you’re happy with your decision and you’ve confirmed your policy details, we’ll help you make the purchase and answer any final questions you have. After purchasing the policy, we’ll still be available if you need a helping hand, and we can help you renew or switch in the future when the time comes.
Contact us for expert advice on your health insurance options

Health Insurance Blogs

Below you'll find our latest blogs covering a wide range of different private health insurance topics. To see more articles like this, you can view our Health Insurance News & Blogs.

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