Will My Child Need Health Insurance?

After Tesco health care launched a new offer promising up to 25% off the first year premiums. The big question is do kids really need health care insurance cover or are  insurance companies just playing on the fears of parents.

That’s always one of the largest selling points for any health care insurance policy offering peace of mind if the worst was to happen, so this is obviously a big factor for any parents thinking they need to get health care insurance cover for their children.

So what is out there for any parents looking into getting private health care insurance for their children? There are just as a lot of health care programs for kids as there are for adults, as with most health care insurance programs the big advantage is the option of choice. If your child was to fall ill or needed an operation, with the right cover you’ll have a choice of hospitals and time frame for which your child can get the relevant treatment he or she needs.

It is true that all this can be found on the NHS but if you can afford the best care for your child why wouldn’t you? One major reason may be, how a lot of kids need serious medical care, and even if they do need it more often than not the NHS well have more than adequate medical care for your child.

Taking for example the Tesco health care deal for children, what is available for those who apply for it? According to Tesco, the insurance provides fast access to medical professionals for private consultations, tests and diagnoses. Private treatment is also covered in case a child needs surgery and cannot be treated within six weeks on the NHS.

The added bonus with the Tesco cover is that the child cover isn’t part of a family cover plan, meaning that any medical history to do with the parents, will not affect the cost of cover for your children. Jeremy Sutton, head of Tesco Health Insurance, said “parents don’t need to include themselves in the cover and that the policy doesn’t carry an annual maximum limit on claims.”

So the simple question any parent needs to ask them self is does my child really need health care insurance ? Well it could all be put down to just how much do you trust the NHS, a lot of parents will have been bombarded with stories to do with superbugs and post code lottery its enough to put off any parent going to the hospital.

The NHS is by all means equipped to care for your child if he or she was to fall ill, but the thing is if you believe private health care insurance is good enough for you then surely it is good enough for your children. There are a lot of companies offering comprehensive health care insurance for children.