Call us
01242 697821

Blogs

Keep up to date with the latest news and our guides on all things mortgages. 

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

Related

Inheritance tax allowance freeze: What does it mean?

Inheritance tax allowance freeze: What does it mean?

As announced in the Autumn statement by Chancellor Jeremy Hunt, the government have made the decisio...

Read More >
Financial support when you really need it

Financial support when you really need it

Having a policy in place to provide financial stability can help you to relieve any financial pressu...

Read More >
How much does it cost to have a child in 2024?

How much does it cost to have a child in 2024?

Recent research says the average cost of having a child in the UK is around £223,256! That’s about ...

Read More >
Landlords, are you up-to-date on the latest Energy Efficiency Standards and EPC requirements?

Landlords, are you up-to-date on the latest Energy Efficiency Standards and EPC requirements?

As part of the UK government's commitment to achieve net-zero emissions by 2050, there are upcom...

Read More >
Equity Release - Gifting to Family and Friends

Equity Release - Gifting to Family and Friends

Equity release gifting is a great way to release tax-free cash from your home to help friends and fa...

Read More >
Mortgage Payment Holiday – How does it work?

Mortgage Payment Holiday – How does it work?

To support those who are having difficulties in making their monthly mortgage payments, a mortgage p...

Read More >

What our clients say...

Latest Blog

Key Changes to Stamp Duty

As of April 1, 2025, significant changes to the UK's Stamp Duty Land Tax (SDLT) have come into effec...
Read More

Here are some tips for managing bills and finances when you don’t have a regular income

Managing money and bills self-employed can feel like a juggling act. Especially since you don't have...
Read More

Look after your health to ensure you are ready to work

Managing money and bills self-employed can feel like a juggling act. Especially since you don't have...
Read More

Is equity release available for the self-employed?

Are you self-employed, retired, or unemployed and looking for equity release? Are you wondering if y...
Read More

Why income protection & critical illness cover are extra important for the self-employed

If you're self-employed in the UK, income protection and critical illness cover are extra critical. ...
Read More

Do you need extra building and content insurance policies in place if you work from home?

Maybe you've spent a bit of time putting together your business. Now everything is going well, you w...
Read More

Can I get a mortgage if I’m self-employed? Plus other commonly asked employment questions

Work habits in the UK continue to evolve and change. And so, the mortgage industry is addressing con...
Read More

Health Insurance and Buying a New Home: Why They Go Hand in Hand

Buying a new home is an exciting milestone but also a significant financial commitment. While health...
Read More

Selling this spring? Top tips to get your house ready for sale!

Firstly, let’s ask, how does your house look from the street? First impressions are so important wh...
Read More

What insurance do you need to buy a home?

Are you buying a home in 2025? You’ve sorted out your finances, found the perfect home to buy, and ...
Read More


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

Our Fees        

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.

We also receive a commission from the lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. If we receive a commission, this will not affect the cost payable by you.

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.


  • Back to top