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    Private Health Insurance for a 16 year old

    Can anyone advise the best place to get Private Health Insurance for a 16 year old.

    He plays rugby at quite a high level and we have been advised to take out private health insurance. I am struggling as most places will only quote for 18years and over.

    I must point out that he does not get paid to play.

    Any help greatly appreciated x

    20 Comments

    I just used this site and Faked a 16 yr old boy, Loads of companies gave price quotes, worth a look. HTH x

    pmipartners.co.uk/com…php

    Original Poster

    That was the only comparison site I could find which quoted for 16 year olds. The only problem is, they dont ask about his sport and the premiums rocket when it is included (I have rang up a couple). I dont mind the price but have no knowledge of good and bad so was looking for advise on a decent company.

    Aviva?

    Original Poster

    "I confirm that no applicants are employed in the armed forces, or as professional or semi-professional sportsmen or women, or work offshore in the extraction or refinery of natural or fossil fuels"

    benendon?

    misfire22

    "I confirm that no applicants are employed in the armed forces, or as … "I confirm that no applicants are employed in the armed forces, or as professional or semi-professional sportsmen or women, or work offshore in the extraction or refinery of natural or fossil fuels"



    If he does not get paid, then i wouldn't think he would be classed as "professional or semi professional"

    Original Poster

    peodude

    If he does not get paid, then i wouldn't think he would be classed as … If he does not get paid, then i wouldn't think he would be classed as "professional or semi professional"



    I know what you are saying but he is linked to a professional club and I the other insurers have factored it in

    Tell him to man up?

    Lol.

    I used to play rugby for Leicester academy - got my pelvis broken in two places one match - never got back properly

    I now play for my school but am nowhere near good enough to play any higher

    Original Poster

    tomwatts

    Tell him to man up?Lol.I used to play rugby for Leicester academy - got … Tell him to man up?Lol.I used to play rugby for Leicester academy - got my pelvis broken in two places one match - never got back properly :(I now play for my school but am nowhere near good enough to play any higher



    This is exacty why we need the cover. Do you think things would have been different for you if you had had a piivate health plan?

    I am so sorry for you too xx

    Why do you need private insurance?

    Private will not pay or deal with acute injuries, has to be A/E dept.

    Original Poster

    iglimpse

    Why do you need private insurance?Private will not pay or deal with acute … Why do you need private insurance?Private will not pay or deal with acute injuries, has to be A/E dept.



    You go to A&E first obviously. If treatment is then needed, Private Heathcare speeds up the whole process. No waiting for an op on NHS lists. Hopefully it wont be needed but it would be there "just in case"


    Edited by: "misfire22" 27th Mar 2011

    Banned

    Have you got private health insurance? My friend works for AXA and sold us health insurance a few years back. The 'family package' works out far cheaper than any individual insurance.

    Maybe you can do this and get a few 'bolt ons' for your son?

    Original Poster

    JonnyTwoToes

    Have you got private health insurance? My friend works for AXA and sold … Have you got private health insurance? My friend works for AXA and sold us health insurance a few years back. The 'family package' works out far cheaper than any individual insurance.Maybe you can do this and get a few 'bolt ons' for your son?



    Thanks so much. All I really wanted was a recommendation from someone x

    Edited by: "misfire22" 27th Mar 2011

    My mum is a carer for a rugby player who broke his back in a scrum, I would definitely look into it, he has people round the clock. Obviously he will hopefully never need it. But you never know

    Original Poster

    sancho1983

    My mum is a carer for a rugby player who broke his back in a scrum, I … My mum is a carer for a rugby player who broke his back in a scrum, I would definitely look into it, he has people round the clock. Obviously he will hopefully never need it. But you never know



    Maybe it would be better to persuade him along another path!!

    Banned

    misfire22

    Maybe it would be better to persuade him along another path!!



    Ha ha! Yeah, tell him to take up Philately!

    If you get private health insurance you can insure him as one of your dependants.
    If I remember rightly if you work you can do something clever and make the payments tax efficient.
    I have had no problems with BUPA, but they aren't the cheapest out there.

    sancho1983

    My mum is a carer for a rugby player who broke his back in a scrum, I … My mum is a carer for a rugby player who broke his back in a scrum, I would definitely look into it, he has people round the clock. Obviously he will hopefully never need it. But you never know



    That would never be covered on private medical insurance, only general sport insurance

    Original Poster

    Ended up getting a fantastic del. PM me if you are interested in my findings

    misfire22

    Ended up getting a fantastic del. PM me if you are interested in my … Ended up getting a fantastic del. PM me if you are interested in my findings


    Hi, new to forum so can't PM yet. Would really appreciate a guide as to what you recommend. Thanks
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