Child Health Insurance
As parents and caregivers, we understand that the health and happiness of your child is your greatest concern. At Clarity Health Insurance, we share your commitment to nurturing a bright and healthy future for your little ones. That’s why we are here to offer specialised child health insurance solutions designed to provide the care and protection your children deserve.
Private health insurance for children
Childhood is a time of growth, exploration, and discovery, and it’s essential to ensure that your children have access to quality healthcare whenever they need it. As your trusted child health insurance broker, we are dedicated to making the process of securing the right insurance plan for your family as straightforward as possible.
With years of experience in the insurance industry, we recognise that the health needs of children can be unique, which is why we offer a range of insurance options tailored to your specific circumstances. Our aim, as your health insurance partner, is to empower you with the peace of mind that comes from knowing your children have comprehensive coverage to protect their health and well-being.
Personalised protection for your child
Finding the right child health insurance policy is about more than just the price. You will want to ensure that it has the coverage you desire to fully protect your child. And, if your child already has medical issues, you will want to ensure that you can still find coverage.
At Clarity Health Insurance, our team of industry experts have a deep and comprehensive knowledge of the private health insurance sector. That means they will listen to you and your child’s needs and work to find a policy that fulfils them.
All you will need to supply are some personal details and your child’s medical history. Your adviser will then use this information to review all options available and find a package that fits your requirements.
Taking out a child health insurance policy doesn’t preclude you from using NHS health services. It just allows you to provide extra protection when needed, and help your child have any medical issues diagnosed quickly without having to worry about waiting lists.
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Family discounts
Some of the major private health insurance providers offer discounts based on the number of children you wish to take out a policy for. In some instances, this can even include free coverage for every additional child to the first that you purchase a health insurance policy for.
This coverage normally continues until they are 18 years of age. Speak to your adviser if you have any questions around how providing protection for multiple children works.
Expert help available 24/7
If your child is unwell, you want to be able to get the advice or consultation you need as quickly as possible. Many of the private health insurance providers we work with now offer a 24/7 virtual health service as part of their coverage.
This grants you access to a telephone or video call appointment with a doctor, nurse or pharmacist who can answer your questions and what you can do. If they think a referral is needed or that you should seek emergency help, they will direct you towards the best course of action.
If you want a face-to-face appointment, then your private healthcare insurer should be able to assist you in securing an appointment with a private GP at a time and location convenient to you. Your customer adviser will be able to explain exactly what options your policy provides.
Choose a healthcare insurer you trust
In most instances, the private healthcare insurer will refer you to the best possible treatment, while also working to ensure it is as convenient as possible for you and your children.
It may be the case that there is a local clinic, hospital or healthcare centre that you have experience with and would prefer to have treatment at. Some private healthcare insurers allow you to choose where you get your treatment. You can normally see which hospitals they work with in advance of purchasing a policy.
Unbiased advice
When it comes to the health of your child, you will want to ensure that the coverage you get is best for them. Unfortunately, many of the private health insurance brokers operating in the UK are not independent, and will therefore push you towards healthcare insurers they have affiliations or arrangements with.
Clarity Health Insurance is a truly independent private health insurance broker. That means there is no incentive for us to push one insurer over another because the commission we receive remains the same. Instead, we work hard to provide all our customers with the information they need to make an informed decision on their private healthcare options.
Purchasing a policy using our service does not add any extra cost to the price of your child’s health insurance policy. The price would be the same if you were to go directly to the insurer – our service to you is completely free!
Because we are independent, your customer adviser can look at all the options available to you and provide a quote based on the policies that meet your child’s healthcare needs. Whether price, comprehensiveness of coverage, or healthcare options are your priority, your adviser will give you the information to make a decision that’s right for you.
Support with hospital stays
If your child needs to stay in hospital for treatment, then finding accommodation for you to stay nearby can be expensive or difficult to obtain. That’s why many of the private healthcare insurers we work with will also compensate you for any hotel bookings you make while your child is being treated. This can take one worry off your mind, allowing you to focus on your child’s health.
Claims assistance service
If your child does require medical treatment, the last thing you want to be worrying about is making a claim on your policy. Unfortunately, it can be more complex than it should be to make a claim. Clarity Health Insurance believe this shouldn’t be the case, and so we also offer you a free claims assistance service.
We can help you prepare all the documentation you will need to make your claim, advise on which phone number or email address is the best point of contact at a healthcare insurer, and help support you if there are any disputes that arise over a claim.
If you prefer, Clarity Health Insurance can even make the claim on your behalf. So you can focus on what’s most important – the health of your child.
This service is free of charge and also open to anyone with a private child health insurance policy, even those who purchased their policy directly with an insurer or via another broker.