Frequently Asked Questions
1. How many children can be covered under a Child Health Solutions policy?
A Child Health Solutions policy can cover up to 5 children maximum.
2. If I have more than 5 children, what do I need to do to cover them as well?
If you have more than 5 children, please contact Child Health Cover on 0800 3899 477, who will be happy to advise you further.
3. How is Child Health Solutions different to standard Private Medical Insurance?
Child Health Solutions is specifically designed with your child in mind. The benefits are child specific and so there are some benefits that wouldn’t normally appear on a PMI policy, for example, speech therapy sessions and a Support Cash Benefit.
4. What is a Support Cash Benefit?
A Support Cash Benefit is a cash benefit which is payable when your child/children are admitted into hospital for an eligible claim. This can be used by you to contribute towards the overall costs of transport, family accommodation and childcare costs incurred as a direct result of your child/children’s treatment as an in-patient.
5. How do I make a claim?
You can make a claim in four simple steps:
- Always visit your GP first. He or she will refer your child to a specialist before any necessary treatment can begin.
- Call Aviva before you see the specialist or arrange any treatment. Aviva will assess the claim over the telephone where possible and tell you whether the treatment is covered there and then. Sometimes however you may need to complete a claim form.
- Visit the specialist and take your policy details with you.
- If your child needs further treatment, contact Aviva who will confirm whether the treatment is eligible. Aviva will settle all bills directly with the specialist.
6. I am a Grandparent, how can I purchase Child Health Solutions for my Grandchild/children?
Only a child’s parent can be the policyholder, but if they take out a policy you can reimburse them the cost. Parents can apply for cover at www.childhealthcover.co.uk
7. What is a pre-existing condition?
A pre-existing condition is any disease, illness or injury for which a child has experienced symptoms or received medication, advice or treatment; whether the condition has been diagnosed or not before they joined the policy.
8. What does Fully Medically Underwritten (FMU) mean?
This means we ask you questions about your child’s past health, and any pre-existing conditions and related conditions will be excluded unless we agree to accept them.
9. What does Moratorium underwriting mean?
Instead of filling out a health questionnaire, an automatic exclusion applies to any disease, illness or injury (whether or not diagnosed), or any related condition if: your child had symptoms of, medication or treatment for, or advice about such a disease, illness or injury within five years before joining Child Health Solutions and there has not been a clear two-year period after joining, during which your child has been free of medication for, treatment for, and advice about such a disease, illness or injury or related condition. After this clear two-year period, cover will be extended to include that disease, illness or injury, subject to terms and conditions.
10. Where can I find my local hospital?
Go onto www.childhealthcover.co.uk/hospital-list and enter your postcode to view the hospitals in your local area.
11. Is there an overall maximum amount that can be claimed in any one year?
No, with Child Health Solutions there is no limit to the number of times you can make eligible claims in any policy year, and there is no maximum annual amount or ceiling to your claims for eligible private treatment at a hospital on our hospital list. There are however limits to specific benefits.