Households in Southsea; Old Portsmouth and Drayton want quick GP access and paediatric support without high premiums. The answer is smart plan design that protects what you use most.
Must-have benefits for families
- 24/7 virtual GP; ideal when children are unwell at night in PO4 and PO5
- Outpatient diagnostics; common childhood injuries and ENT issues need scans and tests
- Mental health support; counselling for teens; parental helplines
- Physiotherapy; sport and playground mishaps happen
Trim costs without losing cover
- Choose an annual excess of £200 – £500; manageable but reduces premiums
- Add a 6 week NHS wait option; large saving if you are happy to use NHS for short waits
- Limit hospital list to the Portsmouth; Havant; Southampton region instead of nationwide
- Cap outpatient to £1,000 – £1,500; enough for most years
Local routing that saves time
- Spire Portsmouth Hospital for same week paediatrics; accessible from Drayton and Cosham
- QA Private Patient Unit for surgical consults near Cosham railway
- Southsea pharmacies offering minor illness support; combine with virtual GP notes
Quick checklist
- Is dental or optical really needed this year; add only if you claim
- One excess per policy year; better for families than per claim
- Child age pricing; look for sibling discounts
FAQ
Can I add a newborn mid-term
Yes; most insurers allow newborn additions within a set window without medical underwriting.
Will school trips be covered
Travel cover is separate; add a family travel policy if needed.