Child health insurance

The biggest worries in every family come when there is a problem with children‘s health. Having a private child health insurance may save the child and his parents from a possibility of having to wait for the treatment. Moreover, the financial difficulties may be smaller by having an appropriate child health insurance, which could help providing the best possible treatment.

However, it is not easy to choose child health insurance policy as there are many providers who offer this kind of insurance under different names such as child health solutions, child health benefits, etc. The principle behind child health insurance policy is the same as with many other types of the insurance services: the person pays a monthly payment and in case something happens he can claim for a benefit. Moreover,, there are some things that should be known before a person takes out an insurance policy for his children.

Getting child health insurance policy

First of all, it is possible that child health insurance will be included in a normal health insurance plan as an additional benefit. However, in such case the claimable amount of money is likely to be smaller compared when a separate child health insurance policy is taken out. Thus, to provide a better protection it may seem a wise choice to take out children’s insurance policy separately. Of course, it costs some additional amount of money (usually around £8 to £13 a month, though it may differ depending on an insurer). However, as children tend to get sick quite often, it is likely that paying £10 or £12 a month to the insurer may be a cheaper way to deal with the children’s health problems.

Important facts to remember while choosing child health insurance

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As there are many different this type of policy providers, they offer different conditions for their clients. Thus, it is always important to remember some facts while choosing the most appropriate health insurance policy.. The person should always look through what is covered and what is not. First of all, policies usually cover the costs in a certain list of hospitals. Thus, it is always important to look through whether the healing costs in the nearest hospitals or in the most convenient ones to treat a child are included in the policy.

Furthermore, there might be some limits to what extent the costs of treatment will be covered. It is always advisable to pay few pounds more as that can both help to provide a better treatment for a child and save much bigger amount of money than paid to an insurer. Some of the child health insurance policies will only cover hospital costs while other also include coverage for out-patient treatment. Moreover, some of the insurance policies may also cover  parent accommodation.

Of course, such benefits come with additional costs, however, these costs are not high and it may be better to pay £10 or £12 a month for a policy, which includes parent accommodation, higher limits of coverage and out-patient treatment than a policy, which costs £8 or £9 a month but does not include these benefits and offers lower limits for covering costs of child’s treatment.

Moreover, a favourable child health insurance policy should include a coverage for costs of various diagnostic tests and private hospital accommodation. These costs are may be quite high. Because of that if the person compares a policy which includes these benefits to the one that does not, the policy which offers these kind of benefits will be a wiser choice.

Disadvantages of child health insurance

However, even though private child health insurance is a good policy to protect the children, it is also important to note that most likely the pre-existing conditions are likely not to be covered. Moreover, in some cases the policy may not include long-term hospital treatment for so called chronic diseases or have some limits. Thus, even though the person has a child health insurance policy he may need to cover some part of treatment costs. Furthermore, the most affordable child health insurance policies may not include many benefits. Thus, the cheapest policies may be much worse than only few pounds more expensive ones.

Moreover, many policies do not include coverage of costs for psychiatric treatment and dental treatment. Furthermore, it is important to check whether costs of treatment will be covered if a child suffers an injury or an illness because of engaging in a sport or dangerous activities.

Making a claim

Most often a claim can be made in this kind of way: when the child is sick or is not feeling well the general practitioner is visited. Then the referral should be taken and a hospital from the list in the policy is chosen to treat a child. Before taking a child to the hospital, the insurer provider should be contacted and informed about situation to get the claim under way.