Private health insurance is similar to other types of insurance. You pay a monthly or yearly fee called a premium.
If you have a health issue, see your GP and let them know that you have private insurance. They may refer you to a specialist, and you might choose to go to private hospitals or specialists not offered by the NHS.
Tell your insurer that you want to make a claim. They'll check if your policy covers the treatment you need. If it does, your claim will be approved.
Your GP will book your appointment, and your insurer will cover the cost as long as your policy is active. Depending on your policy, you may be required to pay an excess.
Secure your child's health with Moneyrepublic's child health insurance policies. These 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.
Moneyrepublic's child health insurance covers essential treatments for your child's health, ensuring swift access to medical care, including cutting-edge treatments not available 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. Prioritise your child's well-being with our child health insurance policies.
Consider private healthcare for your child because it offers distinct advantages over the NHS, ensuring your child receives the best possible treatment options.
Choosing private healthcare not only benefits your child but also alleviates strain on the NHS by reducing the demand for certain services. Prioritise your child's health and well-being with the advantages of private healthcare, and let Moneyrepublic guide you in making the right choice for your family.
Moneyrepublic's child health insurance offers flexible coverage options, ensuring access to private medical care to accommodate your child's unique needs.
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.
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:
Choose Moneyrepublic for clear and concise health insurance that stands by you during challenging times.
Moneyrepublic's child health insurance policies prioritise coverage, but it's essential to be aware of exclusions. Our policies do not cover:
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.
At Moneyrepublic, we understand the importance of tailoring your child's health insurance to their specific needs. Optional extras, available at an additional cost, allow you to enhance the coverage. Examples include:
These optional extras provide flexibility to customise your child's health insurance, ensuring they receive the best possible care.
If your child has health insurance, they can still access NHS services. Health insurance works alongside the NHS, enhancing treatment options and the comfort of care. The NHS, although invaluable and publicly funded, is under strain, causing long waiting times and potential delays.
Health insurance lets your child bypass these waiting lists, often securing treatment within a week. It offers access to various hospitals and flexible treatment schedules, typically including private, en-suite rooms for overnight stays. Some policies also cover accommodation for parents nearby. This ensures your child receives timely and comfortable care without losing access to NHS services.
Private healthcare costs for children with Moneyrepublic are influenced by several key factors:
Younger age results in generally lower premiums from insurance providers, impacting the overall cost of coverage.
A higher excess level means more personal contribution to healthcare costs, resulting in lower premiums.
Existing or long-term health issues in your child may lead to higher premiums as insurers adjust for potential risks.
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.
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 comprehensive is the most expensive with the widest coverage.
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.
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.
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.
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 high-quality and competitively priced health insurance cover solutions for your child.
By choosing to pay a higher excess, insurers may see you as someone who claims only when necessary, resulting in potentially lower premiums. Trust Moneyrepublic for straightforward and cost-effective child health cover solutions.
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.
Reducing the number of hospitals covered by your private healthcare policy can lead to cost savings. Rely on Moneyrepublic for clear and cost-effective child and family health insurance cover solutions.
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.
Some private medical insurance policies offer the choice of contributing a portion of your claim, reducing premiums. Rely on Moneyrepublic for clear and cost-effective child health cover solutions.
To reduce the cost of your child's private health insurance with Moneyrepublic, consider these tips:
Moneyrepublic aims to give medical information and provide cost-effective solutions tailored to support your child's health needs.
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 high-quality child health insurance solutions.
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 the policy details is crucial to understanding coverage limitations.
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, and your child will always remain eligible for NHS treatment. This provides flexibility, giving you the choice between private and NHS care based on your preferences and needs.