No parent wants to think about their child being diagnosed with a serious illness, let alone buying their child health insurance.
While we all want our children to be healthy, happy and safe, the unfortunate reality is children can become ill and parents may require assistance.
If a child does become ill it can affect a family financially as well as emotionally, but with child health insurance you can focus your attention on supporting your child while they recover.
Child Health Insurance Benefits
Each insurance company will offer different benefits and cover but there are key elements included in the majority of child health insurance.
Specialist Treatment: Some insurance plans will include the cost of getting treatment for an illness abroad or for a specialist doctor in the UK.
Surgery: Waiting times for surgery can add to the worry and stress faced by parents, however child health insurance can help find a specialist surgeon quickly, speeding up the recovery time.
Financial: When a parent has to stop working to look after their child it can have a serious impact on household finances. This will be covered by the majority of child health insurance plans, helping relieve some of the stress and worry a parent will face.
Child Illnesses
Some illnesses are more likely to affect children than adults and treatment for these should be included in a child health insurance plan. For example, if your child were to be unfortunate enough to be diagnosed with any of the following diseases, health insurance could help:
Cerebral Palsy
Cystic Fibrosis
Hydrocephalus
Muscular Dystrophy
Spina Bifida
Find Child Health Insurance
Speaking to a financial adviser before purchasing health insurance for children can help find the most suitable cover at the best price.
When taking out insurance we all want to know it will help us through difficult times, without adding to our stress. This is no truer than when a child has taken ill, which is why it’s important people are insured through reputable companies.
Eddie Chisholm, Director at Pivotal Financial said
“Insurance for children may seem unnecessary, however insuring a child is more about the family unit. Insurance claims for children are the 4th most common behind heart attacks, cancer and strokes. A child that is unwell will need their parent’s full support and this can be difficult if they also have to work. Insurance can reduce the financial problems that can arise, leaving parents to fully focus on their child’s wellbeing. Cover is available from as little as £10 per month.”
Pivotal Financial Planning can help with your insurance needs to ensure you get the right policy for you and your family.
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