Health insurance for children

Secure your child's health with Moneyrepublic's child health insurance policies. These policies cover a variety of treatments, granting your child access to private healthcare without relying solely on the NHS. As a trusted broker, Moneyrepublic provides peace of mind for parents. Choose our child health insurance for reliable and supportive coverage.

What is child health insurance?

Moneyrepublic’s child health insurance ensures your child gets quick access to essential treatments, including advanced care not available on the NHS. Your child will receive treatment in private hospitals and clinics, offering a more comfortable environment for both parents and children. While it doesn’t replace NHS care, it works alongside it, ensuring timely, high-quality private medical attention when you need it most.

Reduce your premiums by selecting specific private hospitals and adjusting your excess to suit your budget. You can personalise your coverage with expert advice from our partners, Assured Futures, to match your family’s needs. Prioritise your child’s health with tailored private health insurance quotes from Moneyrepublic, giving you peace of mind and the best start for your child’s well-being.

What will private health insurance for kids cover?

Moneyrepublic's child health insurance offers flexible coverage options, ensuring access to private medical care to accommodate your child's unique needs.

Basic Plan

• Inpatient coverage: Covers all inpatient needs, including hospitalisation, treatment, and associated costs. Your child receives complete care during their stay, giving you peace of mind.

Medium Plan

• Outpatient treatments: Extends coverage to consultations and minor procedures outside of hospital stays. This plan ensures your child is supported not only during hospitalisation but also in various outpatient scenarios.
• Various therapies: Includes therapies promoting your child's overall development.

Comprehensive Plan

• Widest coverage: Offers the broadest coverage, combining all benefits from the basic and medium plans with extra treatments. This plan provides customisable protection to meet your child’s specific health needs, offering peace of mind with extensive care options.
• Flexibility: Offers the most comprehensive protection, allowing customisation based on your child's unique health requirements. While costlier, the comprehensive plan provides flexibility for various medical treatments, giving you peace of mind for your child's health.

At Moneyrepublic, we understand that each child is unique, and so are their healthcare needs. Our health insurance plans are designed to provide flexible and tailored coverage, ensuring you can choose the level of protection that best suits your child's health and development.

Cancer cover for children

At Moneyrepublic, our health insurance plans prioritise your family's well-being by including cancer cover in the core policy. Macmillan's research underscores the significance of this coverage, considering cancer as the most feared disease in the UK. We offer peace of mind, ensuring access to the best treatment and superior comfort during treatment.

Comparing policies is essential, and with Moneyrepublic, expect robust core cover.

This includes vital cancer treatments:

1. radiotherapy
2. chemotherapy
3. surgery
4. consultants' fees
5. outpatient treatments
6. home nursing
7. cash benefits if treated by the NHS

Choose Moneyrepublic for clear and concise health insurance that stands by you during challenging times.

What does child health insurance policy not cover?

Moneyrepublic's child health insurance policies prioritise coverage, but it's essential to be aware of exclusions. Our policies do not cover:

1. Transplants: Coverage for transplant procedures is not included.
2. Dialysis: Expenses related to dialysis treatments are excluded.
3. Cosmetic Treatment: Procedures for cosmetic purposes are not covered.
4. Chronic Illnesses: Long-term health conditions may not be covered.
5. Pre-Existing Conditions: Existing health issues before policy inception are excluded.
6. Dangerous Activities: Injuries resulting from dangerous activities may not be covered.
7. Hearing Aids: Coverage for hearing aids is not included.
8. Mobility Aids: Similar to hearing aids, coverage for mobility aids is not included.

Understanding these exclusions helps you make informed decisions for your child or children's health insurance. Trust Moneyrepublic for transparent and thorough health insurance coverage.

Optional extras for child health insurance

At Moneyrepublic, we understand the importance of tailoring your child's health insurance policy to their specific needs. Optional extras, available at an additional cost, allow you to enhance the coverage. Examples include:

• Dental Care
• Optical Care
• Physiotherapy
• Homeopathy
• Mental Health Support
• Prostheses

These optional extras provide flexibility to customise your child's health insurance, ensuring they receive the best possible care.

Can children with health insurance still use NHS services?

Yes, your child can still use NHS services even if they have a private health insurance policy too. Child’s private health insurance works alongside the NHS, offering enhanced treatment options and greater comfort. While the NHS provides excellent care, it faces long waiting times and potential delays due to high demand.

Health insurance policy allows your child to bypass these queues, often securing treatment within a week. You’ll have access to a range of hospitals, flexible scheduling, and private, en-suite rooms for overnight stays. Some policies even cover nearby accommodation for parents, making it easier to stay close during your child’s treatment. This approach ensures your child receives prompt, comfortable care while still benefiting from NHS services whenever needed.

How much is private healthcare for children?

Private healthcare costs for children with Moneyrepublic are influenced by several key factors:

✔ Child's age: Younger age results in generally lower premiums from insurance providers, impacting the overall cost of coverage.

✔ Excess level: A higher excess level means more personal contribution to healthcare costs, resulting in lower premiums

✔ Child's medical history: Existing or long-term health issues in your child may lead to higher premiums as insurers adjust for potential risks.

✔ Location: Location matters, with London and the South East often incurring higher expenses.

Trust Moneyrepublic to consider these factors and compare prices transparently, ensuring you find the most suitable and cost-effective healthcare plan for your child.

What should I look for in health insurance for children?

Coverage Level

Before you take out a policy, you need to choose the coverage level - budget policies have minimal coverage, mid-range premiums provide full inpatient/outpatient coverage, and a comprehensive policy is the most expensive with the widest coverage.

Discount Programmes

There are various ways to get discounts on premiums. These include increasing the excess amount, agreeing to make co-payments, accepting waiting periods, and shortening the list of hospitals that can be used for treatment.

Underwriting Types

There are various types of underwriting available. Essentially, this determines whether patients have to disclose all of their pre-existing conditions before they take out the policy or at the time they make a claim. Moratorium does not cover pre-existing conditions if they occurred in the last 5 years. Full medical underwriting requires patients to share their full medical history and may exclude pre-existing conditions. Patients may be able to switch policies without losing coverage.

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

Getting health insurance for your child with Moneyrepublic is hassle-free. While some policies may require health declarations or medical checks, others, like the moratorium, do not. We provide flexible options to streamline the process, making it easy for you to secure the right coverage for your child.

How can I reduce the cost of my child’s private health insurance?

To reduce the cost of your child's private health insurance with Moneyrepublic, consider these tips:

1. Increase the excess payment: Opt for a higher excess, contributing more towards healthcare costs and lowering premiums.
2. Choose the policy carefully: Evaluate your policy needs carefully to avoid unnecessary expenses and ensure cost-effective coverage.
3. Limit hospital choices: Select plans with fewer hospital choices to reduce premiums.
4. Six-week option: Choose the six-week option, allowing you to submit claims only if the NHS can't provide treatment within six weeks. This can result in cost savings while maintaining essential coverage.

Moneyrepublic aims to give medical information and provide cost-effective solutions tailored to support your child's health needs.