Child Health Insurance
Child Health Insurance can be the perfect way to gain peace of mind about your child’s
health. ActiveQuote compares all leading UK insurers offering child health insurance
for under 18s. Our unique
quote and compare service gives you the full details of every child health
policy, and allows you to buy a policy immediately online.
What is Child Health Insurance?
Child health insurance, also known as child
medical insurance and child health
cover, is chosen by parents who want peace of mind about their child’s
health. Child health insurance covers children under 18s for alternative treatment
to the NHS.
What are the benefits of Child Health Insurance?
With a child health insurance policy your children will receive prompt access to
eligible treatment for a wide range of conditions. Child health insurance for under
18s will give you numerous benefits. These include:
- Bypassing NHS queues for prompt diagnosis and treatment.
- Treatment at a local private hospital of your choice.
- Treatment at a time convenient to you, allowing you to work around school hours.
- Guarantee of a private room, usually with ensuite facilities, a television and a
phone to ensure your child is comfortable.
- Unrestricted visiting hours so your family can visit at a convenient time.
- Access to new drugs not available on the NHS, subject to policy.
For more information about which policy covers which hospital, take a look at our
free hospital database.
What should I look for in Child Health Insurance?
There are many different things to look for in a health insurance policy for under
18s.
Level of cover
When buying a child health insurance policy you will need to choose your level of
cover. There are three levels of cover which will affect the premiums you pay. Budget
policies are the cheapest, but will only provide the most basic cover for your child.
Standard policies are the midrange option, and will cover full inpatient and day
patient treatment. Comprehensive policies are the most expensive choice, but will
give your child full comprehensive cover and a range of extra benefits.
Type of underwriting
The three types of underwriting you can choose from when buying a child health insurance
policy are Moratorium, Full Medical Underwriting and Switch.
- With Moratorium, your child will not be covered for illnesses they have suffered
in the past five years, but will be covered after two years symptom free on the
policy. You will not need to disclose your medical history.
- With Full Medical underwriting you provide your full medical history on application
and the insurance company may exclude cover for pre-existing conditions. You will
always be told what is excluded before buying a policy.
- A Switch or CPME (Continuing Personal Medical Exclusions) will allow you to switch
from an existing policy to a new one without losing cover. ActiveQuote is the only
comparison site able to quote Switch policies, so you can change health insurance
policies without losing any cover.
Discount schemes
Although you can’t put a price on your health, for many families money is tight.
There are discount schemes available for child health insurance which will lower
your premiums whilst still giving you peace of mind. These include:
- Increasing your excess on your child health insurance policy
- Co-payments on your child health insurance policy
- A six week wait option
- Reduced hospital cover
You can refer to our health
insurance guide for more comprehensive guide about discount schemes for
child health insurance.
What will Child Health Insurance cover?
There are certain medical conditions that child health insurance will not cover,
even if you have a comprehensive policy. This includes voluntary treatment like
plastic surgery.
If there is a medical condition that you particularly want your child to be covered
for, take a look at our free medical
database which will allow you to search through different conditions. The
database provides handy tips on what to look for in a child health insurance policy.
When you compare quotes with ActiveQuote you will be shown all the different conditions
covered by each child health insurance policy to help you make an informed choice.
Why compare Child Health Insurance with ActiveQuote?
There are many advantages to comparing child health insurance with ActiveQuote.
ActiveQuote is the only true price comparison website for health insurance in the
UK.
Benefits of our quote and compare service include:
- Tailoring your child health insurance quotes with instant changes to the price.
You can change all modules, options, hospital list and excess.
- You can choose a policy and buy it instantly online.
- Your data will be secure in our state-of-the-art security software. Unlike other
online medical insurances websites we will not sell on your details to any third
parties.
- You can change policy without losing cover with switch underwriting.
Please visit the About ActiveQuote page
for more information on our unique comparison system.
What if I want to speak to someone in person?
ActiveQuote is a specialist personal medical insurance broker with over 40 years’
experience in the health insurance market. We are fully authorised and regulated
by the FSA and take an ethical approach to the selling of health insurance. Here
are just a few advantages of using ActiveQuote as a broker:
- Our advisors can search the market for quotes from all leading UK child health insurance
providers for you so you don’t have to spend your time doing so.
- Sometimes child health insurance policies are hard to choose between. Our free,
personal advice comes with no obligations.
- We maintain direct relationships with our child health insurance companies to guarantee
that we are the first to hear about changes, new products and special offers.
- We will automatically renew your cover every year and contact you if there is a
better child health insurance policy on the market.
Child Health Insurance | Health Insurance | ActiveQuoteGuide to child health insurance for under 18s from leading health insurance comparison website ActiveQuote. Compare quotes for free online. 
