When the Family Grows, Children and Health Insurance

All the people who have children, affirm without a doubt that having a child is the best thing that has happened to them in their lives. But it is also common to recognize that this beautiful experience is also very difficult: time with a partner is reduced, family spending goes up, eating and sleeping schedules change, constant attention to the newborn wears physically and psychologically and must perform dozens of procedures.

That without mentioning a crucial aspect: that of health. Children, especially in their first months / years of life, require frequent medical attention, more than what an adult needs. There is practically no month, let alone week, in which the parents should not take their child to the pediatrician or other medical specialists.

Given this situation, many parents choose to register their child in private health insurance immediately after birth. There are several ways to do it: integrating the offspring into the family health insurance, if it is available, or hiring insurance for the child in which the father or mother acts as a policyholder.

It should be noted that any child can be insured since his arrival in the world, although it will be up to the parents to do the homework to apply for registration. The usual thing is that they have a short deadline after birth to perform the procedures, so that the newborn is admitted by the insurer and forget about periods of deprivation or other limitations.

Advantages of a private insurance for children

Advantages of a private insurance for children

The public attention is a luck that we have in our country and in general it works correctly and has good professionals. Now, that our son also has the protection of a private health insurance offers many advantages.

The speed of medical attention is one of them, avoiding the saturation of the public system and usually counting on a longer attention for each child. Something that is really good since visits to the doctor are frequent when you have a very young child.

The possibility of choosing the professional that takes care of the minor, especially with regard to the pediatrician, is another advantage, since in the public system the client does not have that margin of action. So you can choose a doctor who gives us confidence, because it will be responsible for monitoring the child in their first years of life.

The telephone counseling coverage, usually 24 hours, is another great advantage for the usually worried parents, especially first-timers. And, of course, private medical insurances offer greater attention in specialties such as ophthalmology, dermatology, otorhinolaryngology, phoniatrics, speech therapy and even psychology, usually with periodic revisions to the minor. It is true that general specialties are usually well covered by public health, but in the case of other services such as those mentioned above, although they are available, they tend to present greater problems in the form of long waiting lists.

We must also bear in mind that a private policy usually provides us with better access to diagnostic tests, in addition to other coverage such as emergency care (also available in the public system) or hospitalization in private clinics with which our insurer of trust have an agreement.

Regarding dental health, usually a separate world, although public health offers many free services not all are included. Having a full dental coverage (usually through the copay system) is another possibility offered by private health insurance policies to children.

Money matters

Money matters

We have to finally talk about an aspect that concerns us all: the economic one. In this sense, although it is logical to have the coverage offered by private health insurance does not come free, it should be noted that family health insurance usually offer significant discounts when including a new component in the policy, which it represents an important saving for the interested ones.

As for premiums, the logic prevails: if in the case of adults, health insurance tends to be more expensive as years go by -the greater the chances of the client demanding medical attention- in the case of children are exactly the other way around: when they are smaller, the premiums tend to be more expensive, although they decrease over the years until pre-adolescence. From there and normally until the age of majority, where the limit of the insurance for children is normally placed, the price tends to increase slightly.