Health Insurance for Children

As a parent, nothing is more important than your child’s health. It’s only natural that you’d want them to receive the best possible health care services in the quickest time if ever they needed it. And while this can’t always be guaranteed with the NHS, you will be able to control when and where they are diagnosed and treated by taking out a private health insurance policy for them.

Of course, this doesn’t mean they can’t use NHS services. You can consider it a secondary health insurance policy since it gives your child the option to access additional private facilities, shorter waiting times, and specialist treatments unavailable on the NHS.

However, before you commit to a policy, it’s important to compare a wide range of providers to see which ones offer the best cover for the best price. Your child’s current health plan may seem good, but a health insurance quote from us could reveal an even better alternative.

What is the best health insurance for children?

Every child has different health needs, so don’t be swayed by a big-name insurance provider before you’ve checked all the conditions and the wide range of services their policies cover. A smaller company you’ve never heard of could easily be the best option for your child’s need of quality primary care services and secondary care services.

What is covered by child health insurance?

Child health insurance covers acute clinical conditions, which are short-term, curable ailments like broken bones, burns, cuts and respiratory infections. You decide what your child’s “secondary health insurance policy contains, and these are some of the most common options to choose from:

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Child health insurance FAQ's

Child health insurance policies vary hugely in terms of what they cover, and can also be affected by factors including your location. For these reasons, it’s very hard to give an exact figure without having more specific details to hand. However, getting a quote and seeking advice from us means we can quickly compare prices and guarantee you the best deal for your budget.

In general, a child is covered under health insurance until they are 18 years old. Some insurers will extend this for those in full-time education, so they don’t have to worry about expenses for primary and secondary care services. For instance, your child younger than 25 years old will have rapid access to treatment and quality of care in hospital if they are enrolled in your Freedom Family Health Insurance policy.

One of the goals of healthcare professionals around the world is to provide public and private patients with the best quality of care without discrimination. So, yes, insurers do offer plans for special needs children to ensure they also have rapid access to basic or even advanced treatment. However, they may not always cover treatment for chronic conditions linked to their disability, so you might need to make direct payments to a healthcare provider.

That is why it’s so important to check all of the terms and conditions and compare providers before committing.

If you want private healthcare for you and your children, it may be more affordable and convenient to take out a family insurance plan. After all, most of these plans also cover maternity services, 

access to postpartum care, and care for mothers and newborns: hospital room accommodation and more.

It is also common practice for insurers to allow you to add multiple children without additional payments, bundled payments, and discounted rates.

Get in touch if this is something you are interested in.

Other types of health insurance

Whether you want to protect your family, your business or yourself, we can find the policy for you. Choose from any of the private health insurance options below:


Discover what the benefits are of having your own private health insurance policy.


Ensure your loved one's are protected and get the chance to receive quick treatment.


Private health insurance plans that are there to cover both you and your partner.


Find out more about private health insurance for your child or children.

Over 50s

Keep doing the things you love with health insurance that will allow quick treatment.


Keep your employees happy and healthy with a private medical insurance plan.