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Children’s Critical Illness Cover

Receiving a critical illness diagnosis for a child is devastating, and the only thing your client should worry about at such a difficult time is caring for their family. Our Children’s Critical Illness Cover is one of our optional benefits, available to add to new Protect or Breathing Space policies for an additional cost. We’ll let your client choose from £1,000 to £25,000 of cover, so they’ll only ever pay for the cover they need. That means they can worry less about any additional costs that arise from caring for a seriously ill child and focus on the things that really matter. 

 

Cover

  • Tailor your client’s policy with cover amounts from £1,000 to £25,000.
  • There’s no limit to the number of children covered. If your client chooses to add this cover, we’ll cover any children they may have now, plus any more they choose to have in the future.
  • Children are covered from birth up until their 18th birthday or, if they’re in full time education, their 23rd birthday.
  • Our cover has no survival period, because a diagnosis is hard enough on your client.
  • We’ll pay a lump sum if your client’s child is diagnosed with one of 78 critical illnesses, covering 58 full payment conditions and 20 additional payment conditions.
  • We include congenital conditions, and 8 child-specific conditions: Cerebral Palsy, Cystic Fibrosis, Downs Syndrome, Edwards Syndrome, Hydrocephalus, Muscular Dystrophy, Patau Syndrome and Spina Bifida.
  • You can only add one Children’s Critical Illness Cover benefit per policyholder. However, a child can be covered by two policies if both parents add Children’s Critical Illness Cover to their Income Protection cover with us.

 

Premiums

Level guaranteed premiums, priced on your client’s chosen cover amount. It can be added to both our level guaranteed and age-costed guaranteed Income Protection policies.

Benefit Payments

  • The amount your client can claim depends on the total amount of cover they chose when taking out Children’s Critical Illness Cover and whether it is a full payment or additional payment condition.
  • Your client can claim for their child alone or alongside their Income Protection policy.
  • For more information, please refer to the policy Terms and Conditions.

Flexible Cover

We appreciate that family plans change, which is why our Children’s Critical Illness Cover is flexible.

Your client can add Children’s Critical Illness Cover to new Protect or Breathing Space policies at application, during pregnancy, or within 6 months of birth, adoption, becoming a step-parent, becoming a legal guardian for, or being granted parental responsibility for a child.

Your client can remove this cover at any time, they’ll just need to get in touch with our team, but they won’t be able to add it back on at a later date.

For more information, please refer to the policy Terms and Conditions.

Underwriting

We don’t underwrite Children’s Critical Illness Cover, but certain exclusions apply. You can find full details in our terms and conditions.