We’re extremely fortunate to have the National Health Service (NHS) in the UK, but with population rates increasing, an upsurge in demand and lack of funds – long waiting times and less treatments are becoming available to the public. It’s for this reason that you may wish to choose private health care for your child – there’s no wrong or right answer when it comes to the question of ‘does my child need health insurance’, this decision is completely your choice. To help you decide, we’ve collated an array of information about children’s health insurance that may be of use to you. 

The Benefits 

Much alike general adult healthcare, children’s health insurance entitles your child to plenty of benefits - should illness ever occur. These include, but aren’t limited to:

• Reduced waiting times

Bypass NHS waiting times – your child will be seen by a specialist consultant when necessary. 

• Choice

The choice that comes with private healthcare is the reason why most people opt for private over the NHS – with many insurers; you’re able to choose a GP, treatment facility and more for your child.

• Specialist drugs and treatments

Some specialist treatments and medicines are not available via the NHS – this is either because they are too expensive or because they are not approved by the National Institute for Health and Clinical Excellence in England and Wales (NICE) or the Scottish Medicines Consortium.
Although not guaranteed, acquiring private health insurance may give your child access to treatments that are not available on the NHS. 

• Privacy and comfort

With private health care, children will receive a private and comfortable hospital room – should a stay ever be necessary.  

Bupa – Family Health Insurance

As well as choosing a policy for your child, why not get the rest of the family covered, too? Bupa offers a family health insurance plan which entitles policy holders to 10% off when compared to buying individual policies.
Bupa plans include benefits and features like:

• Rewards

You’ll be entitled to a range of discounts from some of the UK’s biggest names in health and wellbeing – these include Adidas, isubscribe and Boots Opticians.

• Cancer promise

If you’re ever diagnosed with cancer – you’ll have peace of mind knowing that you and your family will be in professional hands for as long as you have Bupa insurance.

• Around-the-clock advice 

Need immediate assistance? Bupa’s ‘Anytime Helpline’ enables you to 24/7 health advice from a trained nurse when required.

Aviva’s Child Essentials Plan

Choose Aviva to receive their ‘Child Essentials Plan’ - which provides essential financial, medical and emotional support. Policy holders can expect to receive the following benefits;

• Confidential GP helpline

Fast-track access to ‘Babylon health services’ – this service entitles you to unlimited video or phone consultations with a doctor, available 24/7.

• Hospital expenses

You’ll receive reimbursement of hospital stay costs, should your child ever be admitted. This service doesn’t apply to all hospitals – all policy holders receive a hospital list at the beginning of the policy.

• Paediatric helpline access

This service entitles you to a second opinion and advice from a qualified nurse.

AXA – Child health insurance

AXA cover the cost of one parent staying at a hospital with their child, should it ever be needed. In addition to this, a child health insurance policy with Axa will also give you access to speedy diagnosis times and the best treatment, at the lowest prices. More benefits include;

• Access to Axa’s team of experts – available 24/7 to answer any medical questions you may have.
• Discounts through the online health and wellbeing site – including discounted PureGym membership to help you keep fit and active.
• Access to fast-track appointments with consultants.
• Choice of over 250 hospitals – with more than 24,000 recognised specialists
• Access to the latest approved cancer drugs even – including medicines that aren’t available on the NHS. 

The Right Health Insurance Policy

At THIS, we’re aware that there’s nothing more important than your child’s health. It’s for this reason that we’re passionate about finding a private health insurance policy that’s entirely suited to your child’s healthcare requirements, as well as suiting your budget – we search the whole of the market place and compile a package of quotes for you to choose from. All quotations are 100% free and no obligation – you get to choose which cover is best for your child, at a time that suits you.

Get in contact with our expert team today on Freephone 0808 10 18 999 to learn more about how we can help find your child the perfect health insurance policy. Alternatively, fill in our online contact form and we’ll get in contact with you.