How does private health insurance work?

Private health insurance is similar to other types of insurance. You pay a monthly or yearly fee called a premium.


Getting Referred

If you have a health issue, see your GP and let them know about your private cover. They may refer you to a specialist, and you might choose private hospitals or specialists not offered by the NHS.


Informing Your Insurer

Tell your insurer you want to make a claim. They'll check if your policy covers the treatment you need. If it does, your claim gets approved.


Cost Coverage

Your GP will book your appointment, and your insurance covers the cost if your policy is active. You might pay an excess depending on your policy.

Secure your child's health with Moneyrepublic's child health insurance policies. Our policies cover a variety of treatments, granting 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 covers essential treatments for your child's health, ensuring swift access to medical care, including exclusive treatments not on the NHS. It provides comfort in private hospitals and clinics, supporting both parents and children. While not a substitute for NHS care, it complements it, guaranteeing timely and quality private medical attention. Reduce premiums by narrowing your private hospital choices and adjusting your excess. Tailor your coverage to your needs with expert advice from our partners, Assured Futures. Prioritize your child's well-being with our comprehensive child health insurance.

Does my child need private healthcare?

Consider private healthcare for your child with Moneyrepublic's expert insights. Private healthcare offers distinct advantages over the NHS, ensuring your child receives the best possible treatment options. One key benefit is access to specialists providing additional treatments that may not be available within the NHS framework. Opting for private healthcare grants your child the comfort of a private room, enhancing the overall experience. You have the flexibility to choose the timing of treatments and the hospital of your preference. Additionally, private healthcare often provides your child access to the latest drugs and medical advancements, contributing to better outcomes. Moreover, the shorter wait times in private healthcare can be crucial, ensuring prompt attention to your child's needs. Choosing private healthcare not only benefits your child but also alleviates strain on the NHS by reducing the demand for certain services. Prioritize your child or children's health and well-being with the advantages of private healthcare, and let Moneyrepublic guide you in making the right choice for your family.

What will private health insurance for kids cover?

Moneyrepublic's child health insurance offers flexible coverage options catering to private medical care and your child's unique needs.

Basic Plan

  • Comprehensive Inpatient Coverage: Your child's hospitalization needs are fully covered. If admitted, the insurer handles treatment and associated expenses, providing peace of mind during inpatient care.

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 hospitalization but also in various outpatient scenarios.
  • Various Therapies: Includes therapies promoting your child's overall development. From physiotherapy to mental health treatments and counseling, the medium plan takes a holistic approach to your child's well-being.

Comprehensive Plan

  • Widest Coverage: Encompasses a range of medical needs for your child's well-being. It covers the basics of the basic plan and outpatient treatments of the medium plan, along with additional treatments, ensuring the most extensive coverage.
  • Flexibility: Offers the most comprehensive protection, allowing customization 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 nursing care that best suits your child's health and development.

Cancer cover for children

At Moneyrepublic, our health insurance plans prioritize 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 cancer care. Comparing policies is essential, and with Moneyrepublic, expect comprehensive core cover. This includes vital cancer treatments:

  1. radiotherapy
  2. chemotherapy
  3. surgery
  4. consultants' fees
  5. covering 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 medical insurance does not cover?

Moneyrepublic's child health insurance policy prioritizes 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 engaging in dangerous activities may not be covered.
  7. Hearing Aids: Coverage for hearing aids is not included, highlighting the policy's focus on specific medical devices.
  8. Mobility Aids: Similar to hearing aids, coverage for mobility aids is not included, ensuring clarity about coverage for specific assistive devices.

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

Optional extras for comprehensive child health insurance

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

  • Dental Care
  • Eye Care
  • Physiotherapy
  • Homeopathy
  • Mental Health Support
  • Prostheses
  • Nursing Care at Home

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

How much is private healthcare for children?

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

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

  3. Excess Level
  4. A higher excess level means more personal contribution to healthcare costs, resulting in lower premiums.

  5. Child's Medical History
  6. Existing or long-term health issues in your child may lead to higher premiums as insurers adjust for potential risks.

  7. Location
  8. 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

  • Keywords: coverage level, budget policy, mid-range premiums, comprehensive insurance
  • Summary: Need to choose coverage level - budget policies have minimal coverage, mid-range premiums provide full inpatient/outpatient coverage, comprehensive is most expensive with widest coverage.

Discount Programs

  • Keywords: discount programs, increasing excess, co-payments, wait period, lower hospitalization
  • Summary: There are different ways to get discounts on premiums - increasing excess amount, co-payments, wait periods, lower hospitalization coverage.

Underwriting Types

  • Keywords: underwriting, moratorium, full medical underwriting, switch, pre-existing conditions
  • Summary: Explains the 3 types of underwriting - moratorium does not cover pre-existing conditions from last 5 years, full medical underwriting requires full history and may exclude pre-existing conditions, switch allows changing 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 find the best deals on private children health cover?

Take time to compare

By evaluating a range of child health cover options, you'll discover what's on offer, allowing you to secure the right policy at the right price. Trust Moneyrepublic for comprehensive and competitive, health insurance cover solutions for your child.

Consider increasing your excess

By choosing to pay a higher excess, insurers may see you as someone who claims only when necessary, resulting in potential lower premiums. Trust Moneyrepublic for straightforward and cost-effective child health cover solutions.

Consider trimming your cover

If certain policy aspects aren't essential for your child, removing them can help you pay only for necessary coverage. Rely on Moneyrepublic for clear and cost-effective child health cover solutions.

Consider cutting your hospital options

Reducing the number of hospitals covered in your policy for private healthcare can lead to cost savings. Rely on Moneyrepublic for clear and cost-effective child and family health insurance cover solutions.

Choose a six-week option

This choice entails using the NHS if it can provide inpatient or day patient treatment within six weeks, reducing the necessity to claim on your policy. Rely on Moneyrepublic for clear and cost-effective child health cover solution

Consider co-paying any claims

Some policies offer the choice to contribute a portion private medical insurance, to your claim, reducing premiums. Rely on Moneyrepublic for clear and cost-effective child health cover solutions.

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 Excess Payment: Opt for a higher excess, contributing more towards healthcare costs and lowering premiums.
  2. Choose 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 file 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.


What's the maximum age child a policy will cover?

The age limit for child health insurance varies by provider, generally spanning from 18 to 21 for dependents. Some policies may cover children up to age 24 if they're in full-time education. To ensure your child medical insurance is the right fit for your family, check the policy documents for age specifics before purchasing. Trust Moneyrepublic for clear and comprehensive child health insurance solutions.

What could be excluded from my child healthcare policy?

Common exclusions from medical insurance may include organ transplants, kidney dialysis, cosmetic treatment, certain chronic conditions, pre-existing conditions, injuries from dangerous sports or activities, and exclusions related to mobility and hearing aids. Checking policy details is crucial to understanding coverage limitations. Trust Moneyrepublic for clear and comprehensive child health insurance solutions.

Does Getting Health Insurance Mean My Child Can Still Use the NHS?

Yes, having private health insurance for your child doesn't exclude them from ever receiving eligible treatment using the NHS. Private and NHS services can work together, allowing your child to remain eligible for NHS treatment. This provides flexibility, giving you the choice between private and NHS care based on your preferences and needs. Trust Moneyrepublic for clear and comprehensive child health insurance solutions.