Common childhood illnesses and health insurance
How common illnesses and injuries to kids are covered under health insurance.
Key points
- Comprehensive cover for common illnesses: Our health insurance supports children through a wide range of common conditions from injuries and infections to dental, optical, and even cancer care helping families access treatment quickly and confidently.
- Great for growing families: You can add multiple children under age 20 to your policy and only pay for the eldest.
- Fast access to care: At no additional charge, customers also get access to Aviva Digital GP^, including features like digital GP appointments which could provide open referrals for specialist investigation or treatment. Children under 16 can be added to an eligible parent's or guardian's digital GP account, giving peace of mind that they can be seen quickly, reducing stress and delays during illness or injury.
Children often feel (and act) like they’re invincible but accidents and illnesses will happen.
Family health insurance is one way to help care for your children’s health, with extensive cover for short-term diseases, illnesses or injuries. With our health insurance you can add any children under 20 to your policy and if you have more than one child you'll only pay for the oldest one. Great value if you have two children or more!
What are the benefits of health insurance for kids?
Health insurance for children can help offer families support and fast access to medical care when it’s needed most. Key benefits include:
- Fast diagnosis and treatments: private health insurance often provides quick access to GPs, specialists, diagnostic tests, and treatments, helping children get the care they need without long delays.
- Choice of providers: families can choose from a wide network of private hospitals and consultants.
- Mental health or dental support: some policies may provide optional extras like mental health services, or dental care.
What childhood illnesses does our health insurance cover?
With our private health insurance we offer extensive cover for a wide range of childhood illnesses and injuries, such as:
Injuries
Kids like to have fun, but often their idea of fun involves rushing around the living room, the playground, or the football field. Muscular injuries and even broken bones can be an unfortunate outcome of this – and that’s where the fun stops.
Health insurance can help and common musculoskeletal issues are covered as standard. Solutions can go down various routes, depending on the injury. It might even include a trip to the physio. Health insurance from Aviva is designed to get your child seen to as quickly as possible by a GP or a specialist, so they can get back to doing what they do best – having fun.
Ear infection
If you feel like your kids never listen, then it might not always be their fault. Ear infections are particularly common in children, especially within the inner and middle part of the ear. Difficulty hearing, pain inside the ear, and a high temperature are some of the symptoms of an ear infection. Footnote [1]
Most of these infections clear up within three days, Footnote [1] but if that isn’t the case then you’ll have access to the Aviva digital GP^ app, as well as cover for any specialist referrals or investigation into the infection. You’ll be waxing lyrical (pun intended) about how easy the service is to use.
Dental and optical care
A trip to the dentist can feel like a chore or a nightmare, especially for children, but with Aviva your routine dental care can be claimed back on your health insurance. Going privately should mean a shorter wait time, so if your child needs surgery or a tooth extracted, then you won’t need to prolong their pain. Things like examinations, tooth cleaning, fillings and crowns will also be covered.
Accidental dental injury is also covered, so if an injury occurs to your child’s teeth or gums you can rely on us to help and put a smile back on your face and theirs.
*Routine dental care and accidental dental injury are part of our enhanced cover and not covered under the core health insurance. Please see policy terms and conditions for more details.
If your children aren’t rushing around causing chaos, hopefully they’ll be doing their homework or something equally quiet and productive. What’s more likely is they’ll be staring at a screen!
Certain eyecare expenses are included on our enhanced cover, with contact lenses and glasses bought as a result of a change in prescription covered up to a cost of £150. So, whether they’re diligently studying or endlessly scrolling, at least their eyes will be protected.
*Optical benefits are part of our enhanced cover and not covered under the core health insurance. Please see policy terms and conditions for more details.
Cancer care
It’s every parent's worst nightmare, but if it happens, health insurance from Aviva is here to support you all the way. Extensive cancer care is included as standard on our policies, with support continuing throughout diagnosis and beyond.
How to add your child to a health policy?
Adding your child to your Aviva health insurance policy is a straightforward process, but there are a few steps to follow to ensure they’re eligible and properly covered.
1. Check eligibility
Children must be under the age of 20 to be added to your policy
If you have more than one child, you’ll only pay for the eldest. All other children are covered for free until the eldest turns 20.
Newborns can be added within three months of birth and receive free cover for up to three months.
2. Contact Aviva
You can manage your policy and add dependants via the MyAviva app or by logging into your account online.
Be prepared to provide your child’s details and any relevant documentation, especially if they are a newborn or being added after the initial eligibility window.
^This is a non-contractual benefit that can be changed or removed at any time.
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