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Children’s Insurance

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Want to apply for children’s insurance?

Children’s insurance has rapidly gained popularity in recent years for a number of different reasons.

What is children’s insurance?

There are many types of children’s insurance. Here are a few examples:

Health (Medical) Insurance for Children – This can help to pay for qualifying private medical costs for a child. Many people choose to, or need to, go down the route of private treatment to get the quality of healthcare they desire and/or to obtain faster results before a condition worsens. This is where private healthcare can help, but medical costs can be devastatingly expensive. Health insurance is not normally included ‘free’ as such with an adult’s policy, however it can be affordable to buy as an extra.

Trauma Insurance for Children – From time to time our beloved children can also experience major health issues or illnesses. These are certainly not pleasant and, unfortunately, the financial impacts can also be devastating. This can also mean that a parent has to take time off work to look after their child. If the child requires additional care, such as a caregiver or special treatment, this can also cost a lot of money. Trauma insurance for children can help pay for these expenses, subject to being able to qualify for a claim.

In essence, Trauma Insurance for Children can ease the financial burden that often accompanies a child falling seriously ill. Be sure to check the policy wording and terms and conditions to know which conditions are covered and which are not.

Understandably, the idea of arranging insurance cover for children may be unsettling for some people, however, in setting it up, you can take a step towards knowing that if the unthinkable happened, there is an insurance policy that may be able to help.

Free children's insurance

These days many adult trauma policies provide some form of free cover for children. Depending on the policy, you may be able to get as much as $50,000 per child free with this type of insurance. It is also possible to buy extra insurance for a small fee.

Medical insurance for children can also prove to be affordable and very valuable.

Conversion options

One of the great things about having children’s trauma insurance is that when the child reaches a certain age they have a timeframe within which they can try to apply for their own ‘adult’ trauma policy. This means that they can transfer their policy to an adult level policy possibly without having to have a further health assessment.

How to apply

It is worth discussing the application process with a suitably qualified financial adviser. Our insurance broker service means that you can speak to a financial adviser about what type of free cover your child may be eligible for and your options may be to add more insurance or get other types of insurance, such as medical cover.

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