Take care of your children with our healthcare cover

With our Personal Health plan, you can add your children to your policy so you're able to provide peace of mind for you and your family. 

Private health insurance gives your child prompt access to private healthcare. From seeing a specialist for diagnosis (if an outpatient option has been chosen) to having eligible treatment at a comfortable private hospital, we're here to help you look after their health. 

Our Personal Health Plan is designed to provide cover for new conditions which begin after the policy has started, and provides you, and your loved ones, with fast access to private healthcare when you need it.

We’ll be here to hold their hand

We understand that you want answers you can trust as quickly as possible. With our Personal Health insurance plan, our 24/7 health support line is there for you day and night, just as you are there for your children. We also provide members with easy access to a wealth of health and wellbeing information online.

Accommodation when your child’s in hospital

Being away from home can be a worrying time for children, especially when their stay is in hospital. We make it easier for you to be near your child while they receive treatment covered by your Personal Health insurance. We’ll pay for one parent to stay with them in hospital, and up to £100 a night towards accommodation for another parent in a nearby hotel (up to £500 a year).

Cover for your young ones

Children have unique concerns. Things like prominent ears or a birthmark on their face. With Personal Health cover you could get these addressed. Your child could also get access to up to six sessions of speech therapy if required due to a delay in their development. This cover is for children 14 and under, subject to no planned or pending treatment.

What are the core benefits of our child health insurance?

When life throws you an unexpected challenge, fast access to diagnosis and treatment are what matter most, along with genuine help, support and understanding from people who care. Here’s a summary of everything that comes with our child health insurance.

What does our health plan cover?

  • See the right specialist quickly (when including an outpatient option).
  • Video or phone access to our online 24/7 GP service (subject to availability).
  • Full inpatient and day patient hospital fees cover (on specialist referral, at a hospital from our Directory).
  • Heart and cancer cover and care (subject to medical history and cover options chosen).
  • 24/7 health support line with nurses and counsellors available to answer your questions.


To find out about our additional cover options explore our compare health insurance options page.


What's not covered by our health plan?

Like all insurance plans, there are some things we don't cover. Here are some of our key exclusions:

  • Treatment of medical conditions that you had – or had symptoms of – before you joined
  • Routine pregnancy and childbirth
  • Treatment of ongoing, recurring and long-term conditions

More information about the exclusions and limitations of cover will be provided when you get a quote.

Unsure? Call us on 0800 111 4004*

What do I need to get a health insurance quote for my child?

Ready to get your child health insurance quote?

Here's some information you'll need:

  • Personal details of your child such their name, address and date of birth.
  • Details of any additional children you'd like to add to your policy.
  • The date you'd like your policy to begin.


Our quote process usually takes just a few minutes, so why not get an online quote now?

Personal Health plan, with all cover options chosen, won a five-star defaqto expert rated award for PMI (Individual) plans in 2024.


Defaqto - 5 Star Rating

We’re proud that our Personal Health plan has been rated 5 Stars by independent financial information business, Defaqto.

Frequently asked questions

*Lines are open 09:00 - 19:00 Mon - Fri. Closed Sat - Sun. We may record and/or monitor calls for quality assurance, training and as a record of our conversation.