A children health insurance plan in general, covers your children’s medical epenses related to treatments and other disease-preventing immunization and shots. Such plan also covers specialized treatment for asthma, ear infections and the like. Children health insurance is related to family floater health insurance. A family floater insurance has predetermined restrictions on age and number of children who will be covered. In such plan, the primary member will be covered up to the predetermined limit of coverage. If a situation arises and a child has to receive treatment, the available money in the coverage may be used to pay for such treatment for the child. A family floater plan that covers epenses for your wife and children has a high premium. Such plan will also terminate coverage upon the death of the primary member. To get a children health insurance plan that fits your preferences, you should check out information on the Internet. With such plan, you do not have to worry about paying costly medical bills whenever your children get sick. -- June 19, 2009 @ 3:10 pm