Susan Edmunds asked us to investigate which companies will allow stand-alone medical policies for children. We hadn't thought of this use case before, but logically, it is useful. What if the parents are unable to buy health cover - perhaps they are un-insurable, or simply cannot afford it, or this is a case of a child being raised by an elderly grandparent? We checked around: apparently two insurers offer the cover without requiring an adult life to be part of the policy. Accuro and Sovereign.