Health insurance for children
Private health insurance for children is designed to ensure they receive fast, high-quality medical care when they need it most. Whether it’s for everyday illnesses, specialist consultations, or more serious conditions, private health cover ensures your child has access to the right care without long NHS waiting times.
What is child health insurance?
Child health insurance (or children’s private medical insurance) helps cover the cost of private healthcare for your child. Policies typically include hospital treatment, diagnostic tests, and consultations with specialists, as well as access to private hospitals and clinics throughout the UK.
You can take out a stand-alone policy for your child, or include them as part of a family health insurance plan. Many parents choose cover to complement NHS care — ensuring their child can be seen quickly and comfortably if they fall ill or need treatment.
What does child health insurance cover?
While exact benefits depend on your chosen insurer and policy level, most plans include:
Consultations with private specialists
Diagnostic tests and scans (like MRI, CT, X-ray)
Surgery and hospital stays
Cancer treatment and aftercare
Access to virtual GP appointments
Some policies also include:
Mental health support and counselling
Physiotherapy and complementary therapies
How much does child health insurance cost?
Premiums depend on factors like your child’s age, where you live, and the level of cover you choose. Many providers offer discounts for family plans or when you add more than one child to your policy.
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