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Child health insurance

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Call us on 0800 111 4004*

Take care of your children with Personal Health

Private health insurance is not just for grown-ups. You can cover your child with our Personal Health Plan, either as part of a family cover or just for your children.

Resilience stress management
What is private health insurance for my children?

Private health insurance gives your child prompt access to eligible health treatment when they need it. From seeing a specialist for diagnosis to having a comfortable private hospital stay, we’re there to look after their health and wellbeing (if an Out-patient option has been chosen). 

How does private health insurance work?

Private health insurance gives you all the benefits of private healthcare without the worry of how to pay for it. You pay regular subscriptions for your child’s health insurance policy, then your insurer pays for their treatment, as long as it’s covered under their plan.

Extra cancer cover
We’ll be here to hold their hand

With our Personal Health insurance plan, we’re here day and night, just as you’re there for your children. With our Health at Hand telephone service, we’ll help you protect your children and keep everyone well. And amidst the whirl of family life, we’ll be there to support you whenever you need us.

Cover for your young ones

Children have unique concerns. Things like prominent ears or a birthmark on their face can really affect who they are – and who they become. With Personal Health cover you can get issues like these sorted out before they become a bigger problem.

Hospital bed
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 in a nearby hotel (up to £500 a year).

Medical assistance
Answers when you need them

We understand that you want answers you can trust as quickly as possible. So we give you easy access to a wealth of health information online. But if you’d rather speak to someone, an experienced Health at Hand nurse is just a phone call away. 

Our knowledgeable team are available 24/7, so if you ever have a question regarding you or your children's health, they’ll be there to help. They can even send you written information and give you a follow-up call if you have any further questions. It’s a bit like having a medical expert in the family. 

get a quote
Call us on 0800 111 4004*

The Benefits of Personal Health Insurance

When life throws you an unexpected challenge, prompt diagnosis and treatment for your children are what matter most, along with genuine help, support and understanding from people who care. So here’s a summary of everything that comes with Personal Health, your private medical insurance plan, for new medical conditions after you join. 


Prompt diagnosis to establish what might be wrong


Your choice of hospital (from our Directory of Hospitals), specialist and appointment time via our Fast Track Appointment service (when an Out-patient option is chosen).


Access the latest clinically recognised and eligible treatment and drugs

What’s not covered

Here are the main things that aren’t covered as standard by Personal Health insurance:

  • Pregnancy and childbirth
  • Treatment needed as a result of doing any sport you receive payment, sponsorship, a grant or prize money for
  • Treatment of ongoing, recurring and long-term conditions, such as diabetes or asthma (we call these chronic conditions)
  • Treatment of medical conditions you had – or had symptoms of – before you joined
  • Cosmetic treatment (except for birthmarks and prominent ears under our enhanced family cover)
  • These also aren’t covered, unless you take out the relevant options:

  • Dentist and Optician fees – choosing the Dentist and Optician CashBack option gives you money back towards the costs charged by your dentist or optician
  • Out-patient diagnostic tests and out-patient specialist consultations – you can add one of these options and be covered for out-patient specialist consultations, diagnostic tests and practitioner charges (subject to medical history)
  • Psychiatric treatment – choosing the Mental health option covers you for treatment with psychiatrists, psychologists and cognitive behavioural therapists