Introducing CHIP

The Definitive Guide to Child Health Insurance

As a parent, the thought of your child getting sick is terrifying. It can be hard to imagine what you would do if they were hospitalized or needed surgery & did not have any way to pay for it. That’s why health insurance is so important when raising children. There are several different types of plans that you can choose from but first, it’s important to understand which type will best suit your family’s needs. This article will provide valuable information about what Child Health Insurance can do for your family as well as some of the options available.
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What Is Child or Baby Health Insurance?

Child or baby health insurance is a type of medical plan for children who are not yet old enough to sign up on their own. It aims to protect families from the cost of hospitalization, surgery, and other various treatments if they happen when your children cannot work or support themselves financially.

In most cases, you’ll need joint coverage in order to cover your child as well as yourself because only one person can be covered under the Family Care Plan’s Child Rider Coverage (unless you have an Individual Health Insurance Policy).


If both parents don’t already have individual policies then it’s best to buy a family care plan with this rider so that everyone will be protected at once instead of waiting until something happens and rushing into buying a policy.

What’s Included in Child Health Insurance, UK Wide?

The type of health insurance your child needs depends on their age and what coverage you want. However, there are three basic types that will cover most children:

Emergency Care Insurance

This is usually just the basics like doctor visits, x-rays or other tests, hospitalization (including room and board), psychiatric care, outpatient surgery. This plan does not cover any medical emergencies outside of the UK such as a family vacation in Europe where they might need emergency medical assistance.

Comprehensive Coverage

Covers everything from prescriptions to dental work but cannot pay for organ transplants or cosmetic procedures without approval by an approved panel. These plans also have more exclusions than other packages so it’s important to know exactly what is covered before purchasing one.

Basic Coverage

This is the most basic package offered. It covers everything from pediatrician visits to hospitalization but doesn’t cover anything else like prescriptions, dental work, or organ transplants so it’s important that you’re aware of your limits before purchasing one.

How Much Does It Cost for Child Health Insurance, UK Wide?

The cost depends on the type of coverage you want as well as your age.

If you’re under 18, then it will usually be around £200-£800 a year for the basic package whereas if you’re over 21 and don’t have any pre-existing conditions or disabilities then it could only be about £600 a year because there is no need to cover anything else in addition like prescriptions and dental care.

You see:

For children that are both younger than 18 and disabled, premiums can shoot up to anywhere from £900 to more than £3000 per year depending on their disability (but this would still include hospitalization).

How to Find Child or Baby Insurance, UK Wide?

If you’re looking for a plan, it’s best to look on the government website. This way you can be sure that they are regulated and registered with HMRC1 (Her Majesty’s Revenue and Customs) which means your premiums will also be tax-deductible as well.

On the other hand,

The other option is to contact an independent broker who charges either a one-time fee or a small monthly amount in order to help find the right policy for your family’s needs. They’ll go through all of the options available so that there won’t be any surprises later when something happens.”

Does Getting Child Insurance, UK Wide, Mean My Child Can’t Use the NHS?

No, that’s not the case. Most NHS2 hospitals are able to provide emergency care for children without insurance as well. However, this would be in a hospital with general wards rather than an ER (emergency room).

However, if you want your child to have access to all of the same treatments and services at their local hospital then it makes sense just to get coverage so they can go there when needed instead of waiting until something happens before getting insured.

Common Questions

How Much Do You Pay for CHIP?

Which Is the Best Insurance Plan for Child?

How Long Can My Kid Stay On My Insurance?

What Is the Minimum Age of the Child for Getting Child Insurance?

In conclusion

In short,

There are many considerations to take into account when choosing the best health insurance for your children. It’s important that you’re aware of companies and brokers who can help with a plan as well as what coverage is needed before making any final decisions about which type of policy would be appropriate for your family.


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