Personal

Child health insurance

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.

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 (if an out-patient option has been chosen) to having a comfortable private hospital stay, we are there to help you look after their health.

How does private health insurance work?

Private health insurance provides fast access to private healthcare when you need it. You pay regular subscriptions for your child’s health insurance plan, then your insurer pays for their treatment, as long as it’s covered under their plan.

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 24/7 health support phone service, you can speak to a healthcare professional whenever you need to.

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 issues like these addressed. (For children 14 and under only, subject to no planned or pending treatment).

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).

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. Our knowledgeable team of healthcare professionals 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.

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. Here are your available benefits with Personal Health, your private medical insurance plan, depending on what options you choose, and these are for new medical conditions after you join.

Convenience

Prompt access to specialists to establish what might be wrong (when you choose an out-patient option.

Choice

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

Access to specialist cancer treatment and the latest approved cancer drugs on specialist referral. (Used within terms of their licence. Subject to medical history and cover options chosen).

Benefits for you and your family

Online private GP service (powered by Doctor Care Anywhere), where you can have 20 minute appointments with a GP by video or phone, from anywhere in the world, day or night (subject to availability). Not available on child-only plans
Get 24/7 health information from our telephone support service and online health centres
Book a specialist appointment quickly – if you see your own GP and get an open referral we will help to quickly find you the right specialist, at the right time and place for you (with an Out-patient option)
Hospital accommodation for one parent, and up to £100 a night towards a hotel (up to £500 a year), while a child under 16 is receiving eligible treatment
Surgery to correct prominent ears for a child under 14
Six sessions of speech therapy for a child under 14 resulting from a delay in their development
Free cover on your plan for new-borns until your renewal date (restrictions may apply)

Benefits for your children's stay in hospital

Cover in full for diagnostic surgery, CT, MRI and PET scans at a hospital from our Directory of Hospitals
We’ll pay full in-patient and day-patient hospital fees (on specialist referral), including operating-theatre costs, nursing care, drugs^ and dressings, specialist fees, consultations, diagnostic tests, subsequent CT, MRI and PET scans and physiotherapy. Just use a hospital from our Directory of Hospitals
A cash payment of £50 a night up to £2,000 a year when you have in-patient treatment free on the NHS
No yearly limit on out-patient surgery
Second Opinion Service available when an Out-patient option is selected

Benefits for cancer patients

Heart and cancer cover and care, including access to the latest approved cancer drugs and treatment - even those not routinely available on the NHS subject to medical history and cover options chosen. ^Out-patient drugs are not covered by this plan
Specialist consultations with the same specialist who’s treating your cancer when you’re an out-patient (with an Out-patient option)
Chemotherapy and radiotherapy treatment
External prostheses (limbs), up to £5,000 a year, and wigs up to £150 a year - when you’re having treatment to remove cancer cells
Telephone support from our Heart and Cancer Nurses

Get a free quote

Call us on 0800 111 4004*

What’s not covered

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

Routine pregnancy and childbirth
Treatment needed as a result of doing any sport for which you are paid, receive a grant or sponsorship, or are competing for prize money
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

Unsure? Call us on 0800 111 4004*

Defaqto - 5 Star Rating

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

The Defaqto 5 Star Rating is based on an assessment of the overall product including all options. If some of the options are not selected, this will affect the product’s Star Rating.

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Private Health Insurance