Are you considering getting private health insurance for your child? Every parent wants the best for their child, and this means prioritising their health. When they are sick, they want to get an appointment quickly with a doctor. When they need treatment, they want their child to have access to the best facilities. Unfortunately, the waiting times are long for NHS doctors and hospitals. They can also be limited on what treatments they offer, as well as having to wait a long time to access some of them.
But, you probably want to know what health insurance is going to do for your child. In other words, what will a policy cover? Let’s take a closer look at the answer to this question.
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What Will a Child Health Insurance Policy Cover?
Every provider is going to be slightly different in what they offer you with a basic insurance policy. This is why you want to shop around and see what is on offer. Indeed, if you want to buy health insurance for your child at best price, head to Usay Compare. Most policies will cover the following things.
Inpatient and Day Patient Treatments
First, you can expect inpatient coverage to be included in your child’s health insurance policy. This is going to be any treatment they receive and where they have to stay overnight in a hospital. For example, this could include having to get an MRI or surgery. Then, you can use your policy to claim the money back.
Some Outpatient Cover
Policies often include some level of outpatient cover. These are going to be treatments you can receive at hospitals that do not require you to stay overnight. For instance, this could be an X-ray or having some blood tests done. Again, policies can differ on what is included in the outpatient cover.
Cancer Cover
Cancer is a disease that nobody wants to get. Unfortunately, it can happen, and this is why most people want it covered with a private health insurance policy. Thankfully, a lot of child policies will offer cancer coverage. This means that any treatments your child has to have will be covered by the policy. Note that providers can be slightly different in what level of cancer cover they offer. So, you want to compare them to get the best one.
Digital GP Services
There are many reasons why you might not want to visit a doctor’s surgery with your child. Indeed, when they are sick, this is something that is not always practical to do. The good thing about some private health insurance policies is that they offer coverage for digital GP services. This allows you to get an appointment virtually.
What are the Optional Extras?
We have covered what the basic coverage can be on a child health insurance policy. But, there is also going to be the opportunity to have optional extras. In other words, you can customise your policy and add more coverage if you think it will be beneficial for your child. Indeed, it might be a way to help your family, offering more protection and the opportunity to claim for treatment. So, here are some of the optional extras you can consider.
Dental Cover
If you want your child to enjoy private dental treatment, this is an optional extra you can add to their policy. This will allow you to claim for any treatment they have for their teeth. It can be a good way to budget for this type of service.
Optical Cover
With optical cover, your child can have private treatment for their eyes. Indeed, you can protect your child’s vision and make sure that they have access to good treatment options. This means if they need any help with their vision, it can be provided by their policy.
Mental Health Cover
In the last few years, it has become apparent how important your mental health is. If at some point in the future, your child’s mental health declines and you wish to get help. You can use your private health insurance policy to do this. Indeed, mental health coverage is an optional extra.
Travel Cover
Are you planning on going on a lot of holidays with your family? You might find it beneficial to choose travel cover as an optional extra on your child’s policy. This means that if they get sick when they are on vacation, they are going to be covered.
Therapies Cover
There are a variety of therapies that your child might need at some point in their life. For instance, this could be physiotherapy for an injury or a chiropractor for stiffness and discomfort. Generally, therapies are not going to be covered on a basic policy. But, you can choose this as an optional extra.