You were probably denied to get child insurance for your twins because of their predicted risk. In some instances, the insurer would have you go through a medical check-up before they can even offer a specific plan for you. In this case, child insurance plans for your kids. In the case of your twins who were born premature, the insurer may have seen that there is too much risk involved. But there are a lot of other companies that may offer something for your children. Some of them may have child insurance plans that are willing to take in a high risk policyholder. You only checked with one company but it is still best to have a wide range of options. Companies use different underwriting methods and there may be a chance that there is a child insurance program that will accept your kids. Try talking to the agent of the company who rejected you. You may be able to talk them into reviewing the file and accepting a statement from a doctor that they don’t have a CP. When an insurer accepts your children, you have to realize that you might pay a higher premium  for child insurance than an ordinary applicant. They may have to classify your children as a special case. If all else fails, you can perhaps try your State’s Child Health Insurance Program (SCHIP) to get child insurance. It is a federal government program that provides funds to all states for uninsured children. Because it is jointly funded by state and federal government the policies may also vary from state to state. - June 19, 2009 @ 6:30pm