Health insurance policies can cover the cost of private medical treatment for your baby, child or teenager. They can pay out for a range of medical treatments not included on the NHS if your child is ill or injured.

You could take out individual insurance for your child only, or get a policy to cover your whole family.

What does it cover?

The benefits include:

  • Treatment and diagnostic tests from private specialists not available on the NHS

  • Shorter waiting times

  • Access to private hospitals, which could include their own room

  • Accommodation for parents, meaning you could stay in the hospital with your child

Check the exclusions

Health insurance policies cover a different range of:

  • Symptoms and illnesses, e.g. some cover diabetes but others do not

  • Treatments they can pay out for, e.g. some cover physiotherapy but others do not

Most policies also do not cover pre-existing conditions or emergency healthcare, but your child could still get this through the NHS. Each company also offers a range of hospitals and clinics you can choose from.

Before you apply for a policy, make sure it covers the private healthcare your child might need, and that there are hospitals they let you use nearby.

How much does it cost?

Health insurance comes with two main costs:

  • The monthly premium, which you pay until the policy ends

  • The excess, which is how much you pay towards any claim you make

Choosing a policy with a higher excess can make your monthly premiums cheaper. But this means you have to pay more if you make a claim.

How to compare children's health insurance

Find the best policy online by:

  • Using this comparison to find insurers and check they offer all the cover you need

  • Getting quotes and choosing the cheapest policy that comes with everything you need

If you need help, a health insurance broker can take your child's details and give you a range of quotes. They can also help you decide which policy is right for you.

Child health insurance FAQs


Will health insurance cover my child's existing conditions?


Some policies can include them, but many do not pay out for them. Here is how cover for pre-existing conditions works.


Does my child need a medical check to get health insurance?


Some policies make you fill out a declaration about your health, and some may need to run medical tests. But moratorium policies do not do this.


Will my child's health affect the cost?


Yes, some policies could charge you more if you have existing conditions. Others only charge you more if you need to cover treatment for them.


Which hospitals or doctors can we use?


Most insurers give you a choice of several medical facilities when you are referred for treatment.


Can we still use the NHS if I get health insurance?


Yes, you can get free treatment on the NHS or use your policy to pay for private treatment


Does health insurance cover my child abroad?


No, most of these policies only cover treatment in the UK, but you could get medical cover from your travel insurance if you go abroad.


Can my disabled child get health insurance?


Yes, but some insurers do not cover treatment for any conditions that are related to your disability.