Health cover
When do you need it?
The NHS is excellent with paediatric emergencies but what happens when the aftercare dries up? Victoria Lambert looks at the options for child health insurance
W
56 FIRST ELEVEN SUMMER 2010
hen Alison Thornberry, an independent financial advisor,
was asked 10 years ago to find a health insurance policy specifically for a child attending boarding school, whose parents were being posted abroad, she was amazed to find out how little was on offer. “It was a nightmare just to get the quote,” she says now. “It took endless phone calls – and what
I learned was that children were only covered on a mini-adult basis. I was quite shocked.” Alison found that child cover often
did not stretch to paediatricians and specialist nurses, and that many of the big private hospital groups were simply not set up to deal with children. At the time, Alison was bringing up four children (her son and daughter, as well as her niece and nephew whose own mother had died), so she was aware of the variety of health problems that could arise. “My son David is sports- mad – he was always getting injured on one pitch or another. Meanwhile, my
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