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Do children need health insurance?

We often get asked, ‘Does my child need health insurance?’ We can’t answer this question for you, as this is something you need to think about. But we’ve put together this blog post to help you understand what’s available. Don’t forget, we can offer detailed information to help you make that decision — reach out directly for a bespoke quote.

As a parent, if your child becomes ill, you would do anything to help them feel better. This includes trying to make sure they feel better as quickly as possible – the right health insurance cover can help you achieve this.

In the UK, NHS waiting times continue to increase, and treatment options are becoming more restricted. If your family has health insurance, you’ll be covered if someone unexpectedly falls ill – once diagnosed, you’ll have access to a range of treatments without long waiting times. You’ll have more choice and flexibility, which can help reduce stress if something was to happen.

Many insurance providers have plans designed to be more suitable for children.

Here are some things to think about when looking for a quote:

  • Hospital expense allowance

If your child is admitted to hospital, you’ll receive a reimbursement of the costs per night. You’ll receive a hospital list - outlining the hospitals you’re covered for.

  • Access to a Paediatric helpline

You’ll get support from a personal nurse adviser if your child is admitted to hospital, is diagnosed with a serious illness, or if you need help in arranging a second opinion.

  • Unlimited use of a confidential GP helpline

Open 24hrs a day, 7 days a week. Unlimited video and phone consultations with a doctor/ fast text responses.

  • Discounts through the online health and wellbeing site

Including dietary products and much more

  • Choice of hospitals
  • Member offers – including membership
  • Access to the latest approved cancer drugs even If they aren’t available on the NHS

Perhaps you’re thinking of acquiring health insurance for the whole family? Look for family health insurance plan for discounts for everyone.

Finding the right health insurance for you, children or the whole family can be a time-consuming process.

Want more details? We can refer you to a trusted partner.

SPEAK TO AN ADVISER

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Fairview Financial Ltd is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Fairview Financial Ltd is registered in England and Wales no: 10912424. Registered office: 107 Promenade, Cheltenham, GL50 1NW.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

@ 2020 by Fairview Financial

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A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee for mortgages is £395 and this is paid when the mortgage is offered. We charge a fee of £295 First-Time Buyers. Other fees may apply depending on the complexity of the work involved or loan amount. The maximum fee we can charge is £795.

Our standard fee for Equity Release is £895 and this is paid on completion.

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THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

EQUITY RELEASE: THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, PLEASE ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.


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