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What does private healthcare for children cover?

Generally, private healthcare for children covers your child for acute health conditions, such as cancer treatment or pneumonia. It can also include quicker diagnosis of conditions and access to new treatments that aren’t currently available on the NHS.

There are three levels of private health insurance for children. Most providers offer the following levels of cover:

  • Basic - basic private health insurance covers the cost of inpatient treatment and any associated costs when your child is admitted to hospital.
  • Medium - includes the same as basic private health insurance plus some outpatient treatment as well, including the cost of seeing specialists and consultants and the cost of follow up tests.
  • Comprehensive - covers all of the above plus physiotherapy and mental health treatment.

You can also add on extra benefits if they aren’t already included, such as:

  • Eyecare – the NHS cover children for eye care at a basic level
  • Dental care – most dental treatment costs for children are covered by the NHS
  • Homoeopathy
  • Mental health support
  • Physiotherapy
 
 

How much does children’s private health insurance cost?

The cost of private medical insurance for children is dependant on many factors including your child’s age, where you live and what level of cover you take out. Private health insurance is typically cheaper the younger you are but premiums are often higher if you live in the North West of England, South East of England or London.
 
 
 

What are the pros and cons of children’s health insurance?

 

Pros

  • Quicker access to healthcare for your child
  • Access to treatments and tests that aren’t currently available on the NHS
  • Access to private hospitals with better amenities
  • Support and accommodation for family members

Cons

  • Premiums can be expensive
  • Not all conditions are covered
  • Your monthly premium cost is affected by where you live, so the price might go up if you move house
 
 

Compare health insurance providers

Compare health insurance providers on Compare by Review today. We’re the first and only comparison site that ranks health insurance providers exclusively on customer experience and product quality rather than price. Our full table of providers will give you an impartial and unbiased overview so you can purchase health insurance from a high-quality provider that you can rely on when you need them most.
 
1st

Review Score

9.3/10
based on 55433 reviews

Basic Cover Quote*

£50.30
per month

Comprehensive Cover Quote**

£60.86
per month

Comprehensive Cancer Cover***

Included

Levels Of Cover Available****

2
Read Reviews
2nd

Review Score

8.8/10
based on 24745 reviews

Basic Cover Quote*

£28.94
per month

Comprehensive Cover Quote**

£37.77
per month

Comprehensive Cancer Cover***

Included

Levels Of Cover Available****

2
Read Reviews
3rd

Review Score

8.4/10
based on 245 reviews

Basic Cover Quote*

£44.13
per month

Comprehensive Cover Quote**

£46.99
per month

Comprehensive Cancer Cover***

Included

Levels Of Cover Available****

4
Read Reviews
*This quote is for a comprehensive policy with full outpatient cover, full cancer cover and London hospital access.
**This shows how many different levels of cover you can choose from.
***This shows whether the provider includes cancer cover as standard on all health insurance policies.
****This shows how many different levels of cover you can choose from.