Stand Alone Child Policy

For expatriate families, securing quality healthcare for children is non-negotiable. A stand alone child policy allows you to insure your child without tying the coverage to an adult plan — a practical solution if you already have adequate coverage for yourself or if your employer plan doesn’t extend to dependents.

When Does It Make Sense?

A stand alone child policy can be ideal if:

Employer cover excludes dependents – Many corporate policies leave children uninsured.
Split family coverage – One parent remains on a domestic plan, the child relocates abroad.
Different needs – You want richer benefits for your child (e.g., full outpatient, dental, vision) than you need yourself.
Avoiding adult underwriting – Some insurers allow child-only cover without triggering a new medical questionnaire for parents.

What’s Covered?

Coverage varies, but a robust stand alone policy for children often includes:

Inpatient & hospitalisation – Private or semi-private rooms, surgery, cancer care, intensive care.
Outpatient & GP visits – Consultations, prescriptions, vaccinations.
Specialist care – Paediatrics, speech therapy, occupational therapy.
Preventive care – Health check-ups, growth monitoring.
Dental & vision – Often optional add-ons.
Emergency evacuation – In case the local healthcare system can’t provide adequate treatment.

What to Watch Out For

As brokers, we’ve seen the fine print make or break these policies:

Age restrictions – Some insurers only accept children above a certain age for stand alone cover.
Higher premiums – Without adults on the policy, per-child pricing can be higher.
Coverage gaps – Certain benefits (like maternity-related newborn care) might be excluded.
Renewal terms – Check if premiums can spike after claims.
Pre-existing conditions – Full disclosure is essential to avoid future disputes.

How ExpatFinder Helps

We compare the entire expat insurance market, including April International, Cigna Global, Allianz Care, Bupa Global, MSH International, and more. Our role is to:

Challenge insurers on restrictive terms.
Negotiate better pricing, especially for multiple children.
Explain every deductible, limit, and exclusion in plain language.
Ensure portability – so your child’s cover moves with you to the next country.

Whether you’re in Singapore, Dubai, or Paris, we can help you find a stand alone child policy that delivers the benefits you need at the right cost — without locking you into unnecessary adult cover.

Tip: If you have more than one child, a family policy may be more cost-effective than multiple stand alone plans.