Health Insurance for Children

Get the best health insurance for your child by reaching out to Healthcare Clarity. We compare policies from all of the UK’s top providers.

We provide free, no-obligation advice on private health insurance. Give us a call on 01242 350071 or email [email protected] or use the contact form and we will get in touch with you within 10 mins during office hours.

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What is Child Health Insurance?

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 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:

Additional Benefits

Some insurers will let you extend your child’s insurance coverage to include essential health benefits at an additional annual cost or none at all. The most common that the Public Health England recommends include:

  • Vaccination Program – Exposure of a child to chicken pox, measles, mumps, and more are easily preventable as some insurers cover preventive services, including vaccine administration.
  • Mental Health Care Delivery – Even children suffer from mental health issues that require consultations and therapy sessions with a mental health care professional. However, you might not be able to charge under health insurance some long-term care services and treatments.
  • Dental Care – Unlike mental health care, dental care services are more likely paid add-ons. Also, some insurers have caps on cost of dental treatment and other dental care procedures. You would need to make direct payments once you exceed the limit. This cover is usually not full, so expect case-based payments or coverage from your insurer.
  • Optical and Auditory Care: Though not as common as dental care and mental health care cover, it is essential that young patients have access to eye and ear care services. A few insurers allow limited patients access to consultations, treatments, eyeglasses, and contact lenses.

It can be tricky to identify the best cover for your child, especially if this is the first time you’re taking out health insurance for them. Luckily, that’s what we’re here for. Our experts provide free professional advice to help you get the most suitable health plan.

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.

** Findings are based on 49 clients, over the last 3 months who already had a live policy in place.
** a £50 voucher for M&S or John Lewis will be sent to you after switching to a policy we recommend once you paid your second monthly premium to your insurer.
Voucher for switching healthcare insurance



Health Insurance for Children FAQs

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 Private Health Insurance

Whether you want to protect your family, your business or yourself, we can find the policy for you.