Child Health Insurance in the UK: A Parent's Guide

With NHS paediatric services under pressure, many UK parents are turning to private health insurance to ensure timely care for their children. From GP access to specialist referrals, child-focused policies offer peace of mind and faster treatment.

Why Families Are Seeking Private Cover

According to BBC News, NHS waiting lists for paediatric services reached record highs in 2025, with over 200,000 children waiting for specialist appointments. Delays in diagnostics, speech therapy, and mental health assessments have left many families feeling unsupported. Private health insurance offers an alternative — one that prioritises speed, choice, and continuity.

What Child Health Insurance Typically Covers

Policies vary, but most include:

• 24/7 virtual GP access
• Outpatient diagnostics and specialist consultations
• Physiotherapy and mental health support
• Dental and optical benefits (optional)

Some plans also cover vaccinations, allergy testing, and developmental assessments. Enhanced policies may include direct access to paediatricians and child psychologists without GP referral.

Individual vs Family Plans

Parents can choose between standalone child policies or bundled family plans. Bundled options often offer better value, with shared excess levels and multi-child discounts. Some insurers allow parents to customise coverage per child — useful if one has specific medical needs.

Family plans may also include maternity benefits, partner coverage, and newborn care. Always check whether newborns are automatically covered from birth or require separate enrolment.

Cost and Considerations

Premiums depend on age, location, and coverage level. Expect to pay £20–£60 per month for a child-only policy, and £80–£150 for a comprehensive family plan. Excess levels, hospital networks, and optional extras all affect pricing.

Some insurers offer no-claims discounts or cashback for unused services. Others include wellness perks like nutrition consultations or fitness app subscriptions.

Limitations and Exclusions

Common exclusions include:

• Pre-existing conditions
• Elective procedures
• Long-term developmental therapies
• Emergency care abroad (unless travel cover is included)

Mental health support may be capped at a set number of sessions per year. Dental and optical benefits often come with annual limits and waiting periods.

It's essential to read the policy documents carefully and ask for clarification on any ambiguous terms. Some insurers offer guided care plans, which reduce premiums but restrict provider choice.

Real-World Scenarios

Consider a child with suspected autism. On the NHS, assessments can take 12–18 months. With private insurance, families may access developmental paediatricians and psychologists within weeks — enabling earlier intervention and support.

Or take a teenager with recurring sports injuries. Private physiotherapy can be arranged quickly, reducing recovery time and avoiding missed school or activities.

Final Thoughts

Child health insurance isn't a replacement for the NHS — it's a supplement. For families seeking faster access, broader choice, and continuity of care, private cover can be a valuable investment. The key is to choose a policy that aligns with your child's needs, your budget, and your expectations.

Whether you're navigating speech delays, chronic conditions, or simply want peace of mind, child-focused health insurance offers a proactive way to support your family's wellbeing.