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A Look at Health Insurance for Children with Health4Me

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    Safeguarding your child’s health and well-being is a cornerstone of parental responsibility. Unfortunately, due to circumstances and the high costs of living, many children remain uninsured or underinsured, leaving them vulnerable to many types of health risks.

    Learn about the vital role of health insurance for children with Bloom. Our partnership with Momentum Health4Me offers comprehensive health insurance plans designed to provide your kids with the quality healthcare they need to grow healthy and strong.

     

    The importance of prioritising health insurance for children 

    Ensuring children have dedicated health insurance brings benefits that resonate throughout their lives. One primary benefit lies in preventive care. With dedicated cover, children have access to routine check-ups, screenings, and vaccinations that are essential for maintaining their health. Regular check-ups allow healthcare providers to monitor growth and development, detect potential health issues early on, and provide timely interventions that reduce the risk of more serious conditions later in life.

    Vaccinations, in particular, are an important aspect of paediatric care. Dedicated health insurance often covers the cost of vaccines, ensuring that children receive essential immunisations against diseases such as measles, mumps, rubella, and polio. By safeguarding children against preventable illnesses, vaccinations protect their immediate health and contribute to broader public health efforts by reducing the spread of contagious diseases within communities.

    Having dedicated health insurance for children ensures prompt access to emergency services when needed. Accidents and unexpected illnesses will receive timely medical attention. Prompt treatment during emergencies makes a significant difference in recovery outcomes.

     

    Benefits of health insurance for kids

    Bloom’s Health4Me health insurance plans encompass various healthcare services focused on children.

    Some of these benefits include the following:

    • Access to preventive care: health insurance ensures that children have access to regular check-ups, screenings, and vaccinations. Preventive care helps identify health issues early, promoting timely interventions and minimising the risk of more serious conditions later in life. 
    • Cover for vaccinations: these are crucial for protecting children from preventable diseases like measles, polio, and influenza. While government clinics do assume responsibility for many vaccinations and immunisations, health insurance will cover the cost of other vaccines, like the flu shot. 
    • Emergency services: health insurance for kids provides cover for emergency services, ensuring that children receive prompt medical attention in the event of a severe accident or illness. 
    • Hospitalisation cover: in the event of severe illness or injury requiring hospitalisation, health insurance covers the costs associated with emergency medical response, stabilisation and transportation, hospital stays, surgeries, and other related treatments.
    • Prescription medications: many childhood illnesses and chronic conditions, like Type 1 Diabetes, require a prescription for chronic medications, such as insulin. Health insurance typically includes cover for necessary medication.
    • Access to specialists: children often require specialised care from paediatricians for medical issues related to delays in developmental milestones and child-related illnesses. Health insurance can provide access to these specialists as needed. 
    • Mental health services: some children may also require mental health services, such as therapy or counselling, to address emotional or behavioural issues, like attention-deficit disorder. Health insurance can include cover for mental health services, promoting overall psychological and behavioural well-being.
    • Dental and vision care: children’s dental and vision needs need to be addressed early as they may require specialised services, like cleanings, fillings or extractions. Children also require vision screenings for conditions like myopia, in case they require glasses and a vision monitoring plan. 
    • HIV benefit: South Africa has a high HIV rate, with an estimated 7.7 million people affected in our country. HIV can be passed from mother to child, so children who test positive must be inducted into a management plan, including antiretroviral treatment, to ensure good health and development. 

    Our range of Health4Me health insurance plans for children

    As an advocate for the health and well-being of children, Health4Me recognises the importance of health insurance for children and strives for access to quality healthcare through our health insurance plans. 

    Our family-oriented, child-focused health insurance plans cover a wide range of services and treatments essential for maintaining children’s health and well-being. 

    • Health4Me Bronze. This affordable, entry-level option is designed to cover day-to-day needs and includes unlimited GP visits, acute medication and in-hospital cover. 
    • Health4Me Silver. This balanced option covers the essentials and additional benefits such as access to basic dentistry and optometry and an annual health assessment.
    • Health4Me Gold. Our most comprehensive option – covers all the benefits offered on the Bronze and Silver options, plus specialist visits and an HIV benefit. 

    Our health insurance plans include routine check-ups and preventive screenings designed to monitor growth and detect potential health issues early on so your child can receive timely medical treatment. Our cover extends to emergency services, hospitalisation, prescription medications, and specialist consultations as needed.

    Getting health insurance exclusively for your child or adding your child to your healthcare plan as a dependent is possible. However, parents must be aware of each insurance plan’s limitations or exclusions. Some plans may have restrictions or waiting periods on certain treatments. In some instances, pre-existing conditions or chronic illnesses could be subject to specific cover limitations. 

    Moreover, cover may vary depending on the Momentum Health4Me network providers. We advise parents and primary caregivers to carefully review the details of their child’s insurance plan to understand what services are covered, any limitations or exclusions, and any requirements such as referrals or pre-authorisations. Being informed about the scope of your cover can help you make informed decisions about your child’s healthcare needs while minimising unexpected financial burdens.

     

    How to choose the right health insurance plan for children

    Choosing the right health insurance for children requires thoughtful consideration. Getting comprehensive cover that meets your child’s health needs and suits your budget is advisable.

    These are the factors to consider when choosing the right health insurance plan for children:

    Consider the age and health needs of your children

    Assess what kind of medical services your child is going to need. For instance, will they need to see a specialist or receive chronic medication? Infants and very young children (under the age of five years) may require frequent doctor visits for check-ups and vaccinations. Older children may have developed specific healthcare needs related to family history or chronic conditions, like myopia. 

    Evaluate the family’s budget and financial capabilities

    Find a balance between cover and affordability. Consider monthly premiums, deductibles, co-payments, and out-of-pocket maximums.  

    Pay attention to cover details and benefits offered

    Look for key cover areas essential for children, like preventive care, vaccinations, emergency services, hospitalisation, prescription medications, specialist consultations, and mental health services. It’s also worth exploring the exact nature of cover for dental and vision care, as these areas require special attention for your child’s development.

    View the available plans and request quotes

    Compare our health insurance plans to explore each plan in more detail. Review each plan’s details: consider cover options, network providers, and costs. Pay attention to limitations or exclusions and the process for seeking medical care and submitting claims.

    Seek assistance 

    Once you’ve decided on the plan you’re interested in, you can request a quote online by entering your name and contact number. Our team of consultants will give you a call back to provide a more detailed quote. 

    Secure your child’s health and well-being with a health insurance plan 

    Securing health insurance for children is an important responsibility for a parent. It ensures access to quality and timely medical services for your child and safeguards against the financial burden of rising medical expenses costs.

    Contact our offices to speak with a trained consultant to discuss your options. 

    Your journey to quality healthcare starts here.

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    Momentum Health4Me is not a medical scheme product, and is not a substitute for medical scheme membership. The information provided on this website does not constitute advice in terms of the Financial Advisory and Intermediary Services Act. Momentum is a division of Momentum Metropolitan Life Limited, an authorised financial services provider (FSP 6406) and a wholly owned subsidiary of Momentum Metropolitan Holdings Limited.

    Bloom Gap Cover is not a medical Scheme. Products that are offered are not the same as that of a medical scheme.

    © Bloom Financial Services 2023. Bloom Financial Services (Pty) Ltd is an authorised financial services provider (FSP 50140). Bloom Gap is underwritten by Infiniti Insurance Limited a licensed non-life insurer and an authorised financial services provider (FSP No.35914)

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