Private Health Insurance for Children UK

UK private health insurance for children typically costs £30–£80/month per child when added to a family policy. Standalone child-only policies are rarer but available from Aviva and Bupa. Common claims: ENT (glue ear, tonsils), orthopaedics (sports injuries), and CAMHS alternatives.

• NHS paediatric waiting lists are among the longest in the system — 18+ weeks for ENT, 20+ weeks for orthopaedics, and CAMHS waits that can stretch beyond a year. Private paediatric consultants typically see children within 1–2 weeks, and surgery follows in days rather than months.
• Parents adding children to an existing PMI policy usually pay a fraction of adult premiums because children make fewer claims. The exception is child mental health: CAMHS alternatives are expensive, and some policies cap spend at £1,000–£2,500/year. If mental health cover matters, verify limits before buying.
• Vitality's 'kids go free' benefit is the most generous on the market — dependent children under 18 are fully covered at no extra premium on qualifying plans. Aviva and Bupa offer competitive child pricing but no blanket free cover.

PremierPMI is a UK private medical insurance broker specialising in whole-of-market placement across 10+ leading UK health insurers including Bupa, AXA Health, Aviva, Vitality, WPA, Freedom Health, The Exeter, General & Medical and National Friendly. FCA regulated (Tesha Family Ltd, FRN 1029667). Speak to a broker on 020 4525 0884, WhatsApp 07515 703307, or email contact@premierpmi.co.uk.