I would hazard a guess that the vast majority of parents would do anything within their power to ensure the safety of their children.
However, with that said, how many of you with "hand on heart" can honestly say that you have thought about private medical insurance for the youngest members of your family? There are various forms of healthcare insurance and medical cover that is specifically aimed at the adult population.
Many of these private health insurance policies will typically provide some form of coverage for your children as well.
But, is it really enough? If you are serious about protecting your child from various ailments, conditions, and even diseases, I would urge you to purchase a separate healthcare policy that is specifically aimed at children.
However, that is easier said than done with the plethora of child health care plans and policies that are available in the marketplace.
Choosing a suitable private health policy for your children is, without doubt, one of the hardest decisions you are likely to make.
It is vitally important that you educate yourself about the numerous types of health insurance plans and policies that are available to the younger generation.
The first decision you will have to make is based on the type of underwriting you would like your health insurance policy to have.
You will typically have two choices which are - fully medically underwritten or moratorium underwriting.
If a health plan is fully medically underwritten this will involve answering questions about your child's past health, and any pre-existing medical conditions that they may have.
To ensure that your child receives the most affordable health care plan, pre-existing medical conditions will generally be excluded from your policy.
However, a moratorium underwritten policy will not require you to fill out a health questionnaire, but will automatically exclude any diseases, illnesses or injuries that your child has previously suffered from.
Once your child has been free for two years of any medication or treatments that are associated with the excluded disease, illness or injury, your policy can be extended to include cover against that specific condition.
You will typically find that children's healthcare policies will vary in price and benefits from insurance company to insurance company.
Some insurance plans will cover up to a maximum of five children, whereas others will only provide coverage for 2 to 3 children.
Therefore, it is vitally important that you consider these details prior to purchasing any policy.
The main treatments and benefits that are generally offered with all the child policies will include outpatient consultations and diagnostic tests, private treatments which will include chemotherapy, radiotherapy and CT, MRI and PET scans.
The majority of policies will also offer private ambulances and parental accommodation should your child be hospitalised.
I am sure that you take your child's health extremely seriously, although NHS waiting lists leave a lot to be desired.
Private health and medical care insurance will ensure that your young ones are seen by medical experts immediately should they unfortunately suffer from any illness, injury or disease.
The beauty of this kind of policy is that it is regarded as affordable medical and healthcare coverage that will typically be far less expensive than you could ever imagine.