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Health insurance
for children

Q: What's the maximum age for a child policy?

The age limit for child health insurance varies by provider, generally spanning from 18 to 21 for dependents. Some policies may cover children up to age 24 if they're in full-time education. To ensure your child medical insurance is the right fit for your family, check the policy documents for age specifics before purchasing. Trust HealthInsurance247 for clear and high-quality, child health insurance quotes and solutions.

Q: What could be excluded from my child healthcare policy?

Common exclusions from medical insurance may include organ transplants, kidney dialysis, cosmetic treatment, certain chronic conditions, pre-existing conditions, injuries from dangerous sports or activities, and exclusions related to mobility and hearing aids. Checking the policy details is crucial to understanding coverage limitations.

Q: Does getting health insurance mean my child can still use the NHS?

Yes, having private health insurance for your child doesn't exclude them from ever receiving eligible treatment using the NHS. Private and NHS services can work together, and your child will always remain eligible for NHS treatment. This provides flexibility, giving you the choice between private and NHS care based on your preferences and needs.

With HealthInsurance247, you can find favourable individual health insurance to suit your needs and budget

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How does private health insurance work?

Private health insurance is similar to other types of insurance. You pay a monthly or yearly fee called a premium.

Getting Referred

If you have a health issue, see your GP and let them know that you have private insurance. They may refer you to a specialist, and you might choose to go to private hospitals or specialists not offered by the NHS.

Informing Your Insurer

Tell your insurer that you want to make a claim. They'll check if your policy covers the treatment you need. If it does, your claim will be approved.

Cost Coverage

Your GP will book your appointment, and your insurer will cover the cost as long as your policy is active. Depending on your policy, you may be required to pay an excess.

Secure your child's health with HealthInsurance247's child health insurance policies. These policies cover a variety of treatments, granting your child access to private healthcare without relying solely on the NHS. As a trusted broker, HealthInsurance247 provides peace of mind for parents. Choose our child health insurance for reliable and supportive coverage.

What is child health insurance?

HealthInsurance247’s child health insurance ensures your child gets quick access to essential treatments, including advanced care not available on the NHS. Your child will receive treatment in private hospitals and clinics, offering a more comfortable environment for both parents and children. While it doesn’t replace NHS care, it works alongside it, ensuring timely, high-quality private medical attention when you need it most.

Reduce your premiums by selecting specific private hospitals and adjusting your excess to suit your budget. You can personalise your coverage with expert advice from our partners, Assured Futures, to match your family’s needs. Prioritise your child’s health with tailored private health insurance quotes from HealthInsurance247, giving you peace of mind and the best start for your child’s well-being.

Does my child need private healthcare?

Consider private healthcare for your child because it offers distinct advantages over the NHS, ensuring your child receives the best possible treatment options.

Specialist access

Private healthcare connects your child to leading specialists who may offer treatments not available on the NHS, ensuring providers offer a tailored approach to your child’s health needs.

Private rooms

With a private room at healthcare, your child can enjoy the comfort of a private, en-suite room, reducing stress and providing a quieter, more personal environment for recovery.

Flexible schedules

Choose when and where your child receives treatment, allowing you to fit appointments around your family’s routine and avoid the rigidity of NHS timetables.

Advanced treatments

Access the latest drugs, technologies, and private medical treatment, advancements that might not yet be widely available on the NHS, giving your child the best possible chance of recovery.

Reduced waiting times

Avoid long NHS queues and get quicker diagnoses and treatments, ensuring your child receives prompt diagnosis and attention when it matters most.

Consistent care

Benefit from seeing the same specialist throughout your child’s treatment journey, building a consistent relationship and enhancing the quality of care. Private healthcare not only prioritises your child’s well-being but also helps alleviate pressure on NHS services. Invest in your child’s health with the advantages of private care, and let HealthInsurance247 guide you in choosing the best path for your family.

What will private health insurance for kids cover?

HealthInsurance247's child health insurance offers flexible coverage options, ensuring access to private medical care to accommodate your child's unique needs.

Basic Plan

Inpatient coverage: Covers all inpatient needs, including hospitalisation, treatment, and associated costs. Your child receives complete care during their stay, giving you peace of mind.

Medium Plan

Outpatient treatments: Extends coverage to consultations and minor procedures outside of hospital stays. This plan ensures your child is supported not only during hospitalisation but also in various outpatient scenarios.
Various therapies: Includes therapies promoting your child's overall development.

Comprehensive Plan

Widest coverage: Offers the broadest coverage, combining all benefits from the basic and medium plans with extra treatments. This plan provides customisable protection to meet your child’s specific health needs, offering peace of mind with extensive care options.
Flexibility: Offers the most comprehensive protection, allowing customisation based on your child's unique health requirements. While costlier, the comprehensive plan provides flexibility for various medical treatments, giving you peace of mind for your child's health.

At HealthInsurance247, we understand that each child is unique, and so are their healthcare needs. Our health insurance plans are designed to provide flexible and tailored coverage, ensuring you can choose the level of protection that best suits your child's health and development.

Cancer cover for children

At HealthInsurance247, our health insurance plans prioritise your family's well-being by including cancer cover in the core policy. Macmillan's research underscores the significance of this coverage, considering cancer as the most feared disease in the UK. We offer peace of mind, ensuring access to the best treatment and superior comfort during treatment.

Comparing policies is essential, and with HealthInsurance247, expect robust core cover.

This includes vital cancer treatments:

radiotherapy
chemotherapy
surgery
consultants' fees
outpatient treatments
home nursing
cash benefits if treated by the NHS

Choose HealthInsurance247 for clear and concise health insurance that stands by you during challenging times.

What do I need to get a health insurance quote?

With prolonged waiting periods on the NHS, many choose private family health insurance to take control of their family's well-being.

Personal details

We need to know if your child has any long-term medical conditions that could impact their eligibility for claims and affect premiums. Providing accurate information helps us find the most suitable health insurance cover for your child, ensuring their health needs are fully protected.

Your policy preferences

Decide what level of cover you’d like in your policy. Do you want comprehensive coverage or just the essentials? Let us know your must-haves and what you can do without, so we can customise a policy that fits your needs perfectly.

We’ll survey the market

Leave the hard work to us. We’ll scour the market, comparing child health insurance policies from top providers to find the best one tailored to your needs. With our thorough market search, you’ll get the best child health insurance cover without the stress.

What does child health insurance policy not cover?

HealthInsurance247's child health insurance policies prioritise coverage, but it's essential to be aware of exclusions. Our policies do not cover:

Transplants: Coverage for transplant procedures is not included.
Dialysis: Expenses related to dialysis treatments are excluded.
Cosmetic Treatment: Procedures for cosmetic purposes are not covered.
Chronic Illnesses: Long-term health conditions may not be covered.
Pre-Existing Conditions: Existing health issues before policy inception are excluded.
Dangerous Activities: Injuries resulting from dangerous activities may not be covered.
Hearing Aids: Coverage for hearing aids is not included.
Mobility Aids: Similar to hearing aids, coverage for mobility aids is not included.

Understanding these exclusions helps you make informed decisions for your child or children's health insurance. Trust HealthInsurance247 for transparent and thorough health insurance coverage.

Optional extras for child health insurance

At HealthInsurance247, we understand the importance of tailoring your child's health insurance policy to their specific needs. Optional extras, available at an additional cost, allow you to enhance the coverage. Examples include:

Dental Care
Optical Care
Physiotherapy
Homeopathy
Mental Health Support
Prostheses

These optional extras provide flexibility to customise your child's health insurance, ensuring they receive the best possible care.

Can children with health insurance still use NHS services?

Yes, your child can still use NHS services even if they have a private health insurance policy too. Child’s private health insurance works alongside the NHS, offering enhanced treatment options and greater comfort. While the NHS provides excellent care, it faces long waiting times and potential delays due to high demand.

Health insurance policy allows your child to bypass these queues, often securing treatment within a week. You’ll have access to a range of hospitals, flexible scheduling, and private, en-suite rooms for overnight stays. Some policies even cover nearby accommodation for parents, making it easier to stay close during your child’s treatment. This approach ensures your child receives prompt, comfortable care while still benefiting from NHS services whenever needed.

How much is private healthcare for children?

Private healthcare costs for children with HealthInsurance247 are influenced by several key factors:

✔ Child's age: Younger age results in generally lower premiums from insurance providers, impacting the overall cost of coverage.

✔ Excess level: A higher excess level means more personal contribution to healthcare costs, resulting in lower premiums

✔ Child's medical history: Existing or long-term health issues in your child may lead to higher premiums as insurers adjust for potential risks.

✔ Location: Location matters, with London and the South East often incurring higher expenses.

Trust HealthInsurance247 to consider these factors and compare prices transparently, ensuring you find the most suitable and cost-effective healthcare plan for your child.

What should I look for in health insurance for children?

Coverage Level

Before you take out a policy, you need to choose the coverage level - budget policies have minimal coverage, mid-range premiums provide full inpatient/outpatient coverage, and a comprehensive policy is the most expensive with the widest coverage.

Discount Programmes

There are various ways to get discounts on premiums. These include increasing the excess amount, agreeing to make co-payments, accepting waiting periods, and shortening the list of hospitals that can be used for treatment.

Underwriting Types

There are various types of underwriting available. Essentially, this determines whether patients have to disclose all of their pre-existing conditions before they take out the policy or at the time they make a claim. Moratorium does not cover pre-existing conditions if they occurred in the last 5 years. Full medical underwriting requires patients to share their full medical history and may exclude pre-existing conditions. Patients may be able to switch policies without losing coverage.

Does a child need a medical check to get health insurance?

Getting health insurance for your child with HealthInsurance247 is hassle-free. While some policies may require health declarations or medical checks, others, like the moratorium, do not. We provide flexible options to streamline the process, making it easy for you to secure the right coverage for your child.

How can I find the best deals on private health cover for children?

Health insurance costs can vary, and your premium is calculated based on several factors. Here's what influences the cost:

Consider increasing your excess

Opting for a higher excess can lower your premiums as insurers may view you as someone who claims only when necessary. This adjustment can make your policy more affordable without compromising on essential cover.

Trim your cover

If certain aspects of your policy aren’t essential, consider removing them to pay only for the coverage your child truly needs. This approach helps you keep costs down while maintaining critical protection.

Cut your hospital options

Reducing the number of hospitals covered by your policy can significantly cut costs without impacting the quality of care. Choose only the hospitals that matter most to your family. Let

Choose a six-week option

Opt for a six-week option, which uses NHS services if treatment can be provided within six weeks. This reduces the need to claim on your private policy, potentially lowering your premiums.

Co-pay any claims

Co-paying a portion of your claims can lower your premiums, making private health cover more affordable. This option gives you the flexibility to contribute towards costs while still accessing private care.

Pay annually instead of monthly

Paying your premiums annually instead of monthly often comes with discounts, saving you money overall. This one-time payment approach can reduce the total cost of your child’s health insurance while maintaining full coverage benefits.

How can I reduce the cost of my child’s private health insurance?

To reduce the cost of your child's private health insurance with HealthInsurance247, consider these tips:

Increase the excess payment: Opt for a higher excess, contributing more towards healthcare costs and lowering premiums.
Choose the policy carefully: Evaluate your policy needs carefully to avoid unnecessary expenses and ensure cost-effective coverage.
Limit hospital choices: Select plans with fewer hospital choices to reduce premiums.
Six-week option: Choose the six-week option, allowing you to submit claims only if the NHS can't provide treatment within six weeks. This can result in cost savings while maintaining essential coverage.

HealthInsurance247 aims to give medical information and provide cost-effective solutions tailored to support your child's health needs.

FAQ

What's the maximum age for a child policy?

What could be excluded from my child healthcare policy?

Does getting health insurance mean my child can still use the NHS?

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