Having children is one of the most rewarding achievements in life – but it sometimes comes with a bundle of responsibility and worry about your child’s health.
One way to ease those worries is to take out child health insurance.
What is private health insurance for children?
If your child becomes ill, this type of insurance is designed to pay out, covering the cost of the treatment needed. Child health insurance could also mean that you have faster access to medical care than you would with the NHS.
It might also be worth considering child health cash plans. With these, you can get a cash sum, if your child visits a dentist or other medical professional, towards the cost of the visit or treatment – just be sure to check the T&Cs.
Also it’s worth checking where your policy covers your children. Some plans will only cover treatment within a hospital, for example, while others will offer treatment for your child as an outpatient.
What does child health insurance cost?
Policies don’t have to be expensive and it’s quite easy to find affordable child health insurance. Using our comparison service will help you find deals from a range of providers, allowing you to compare prices and features to find the right deal.
It’s also worth remembering that you can often reduce the monthly payment by agreeing to pay a higher excess. Just make sure you can afford to pay the excess should you need to make a claim.
Things to think about
Having a child health insurance plan doesn’t mean you can go private for everything. Accident and emergency treatments aren’t covered, for example. Just remember that pre-existing conditions are excluded too.
When you buy a policy, you will typically choose a list of hospitals and treatment centres where your child will be covered. The broader the selection, the higher your premium will be.
Bear in mind too that insurers set maximum amounts they will pay specialists for a certain procedure. So if you have chosen a specialist whose charges are higher than that limit, you would be liable to cover the difference in cost.
Depending on the policy you choose, your child won't always get treatment in a private hospital – they may be put in a private patient unit within an NHS hospital, or end up on an NHS ward rather than in a private room.
Another option to consider is to buy a family health insurance policy and add on your children to ensure they’re covered.
How to compare and buy child health insurance
The best way to start is by getting a child health insurance quote. This is quite a specialised area so it can help to talk to an expert. We take a few details from you and get a company called Family Insurance Services to give you a call.
That way they can get you some quotes based on your exact circumstances, and you also get a good opportunity to ask questions and find out more about whether cheap child health insurance would suit you.
Get started now. Click the compare button above. You can either fill in some details so that Family Insurance Services can give you a call, or ring the number on the page to speak to them straightaway.
Their expertise can help you decide which one of the various child health insurance plans will be right for your family.