Some private health insurance companies offer options for children to be covered independently, this could be because the parent might not wish to have cover themselves or that they get cover elsewhere, but the option for children to have their own private health cover is possible. The main attraction of a child only health policy is that the level of cover is normally very high, where-as the cost is low. Here are some reasons why private health insurance for children is important:

 

1. Timely Medical Care: Private health insurance often provides quicker access to medical care. This is particularly crucial for children, as parents might wish for them to have a fast diagnosis without the lengthy waiting times on the national health.
    

2. Choice of Healthcare Providers: Private health insurance typically allows families to choose their preferred healthcare providers, including paediatricians and specialists. This choice ensures that parents can access healthcare professionals who are experienced in treating children's unique medical needs.
    

3. Cost of coverage: Private health insurance plans for children are typically priced very well and range from a local UK cover that includes full cover for hospitalization in private hospitals, cancer cover, an unlimited number of specialists and unlimited diagnostic tests for about £50 per month.
    

4. A similar cover but being of an international policy would allow the child to see specialists and have elective medical treatment in the UK and globally, with private GPs included, and this would typically cost £100/month.
    

5. Access to Specialists: Like most UK covers, to see a specialist, the child will need to have a referral from a GP (even a private GP), but in the case of an international cover, there is no need for a referral. Most cover plan include an unlimited number of specialists in a given year.
    

6. Peace of Mind: Private health insurance provides parents with peace of mind, knowing that they can provide their child with the best available medical care. This peace of mind can reduce stress and anxiety, which can be especially important when dealing with a child's health issues.
    

7. Continuity of Care: Private insurance allows parents to maintain continuity of care for their children. They can stick with the same healthcare providers as their child grows, fostering a long-term doctor-patient relationship that can be essential for managing chronic conditions or ongoing health needs.
    

8. Mental health cover can be added to a child’s policy and this would typically give the child the option to see mental health specialists that work with the insurance company they are under, or any mental health specialist in the case of international covers.

 

In conclusion, private health insurance for children provides numerous benefits, including prompt access to healthcare, comprehensive coverage, and the ability to choose healthcare providers. Additionally, the option for children to be covered independently can be essential in providing quick responses for medical issues.