Life and Critical Illness:


Children’s Critical Illness cover

The health of your client’s children is a priority. No-one wants to think of their child becoming seriously ill. It’s rare, but it can happen. Although money will be the last thing on your client’s mind, unexpected costs – like time out of work, child care, or adaptations to their home – can have a financial and emotional impact on their family. 

We have two options for children's cover, offering different levels of protection:

  • Our standard Children’s Cover is included in your clients' policy automatically and at no additional cost. This covers 85 conditions and pays a lump sum equal to half the amount of cover on the main policy (subject to a maximum payment of £25,000) if your client’s child is diagnosed with a life-changing condition or injury.
  • Our Enhanced Children’s Cover gives your clients the option to cover more conditions for their children. As well as the 85 conditions included in the standard cover, this includes additional cover for 10 child-specific conditions and 6 pregnancy complications for your client. Our Enhanced Children's Cover also means that your clients will receive a larger payment for a claim, of 50% of cover on the main policy up to a maximum of £35,000.

Standard Critical Illness cover

We know that for parents, the health and wellbeing of their child is their biggest priority.

We include Children’s Cover as standard in our Life and Critical Illness cover.

This gives your clients peace of mind that should the unexpected happen, they’ll be able to focus on what matters most.
  • Junior option providing cover from age 23 - once your client’s child reaches their 23rd birthday they’ll have the option (within 6 months of their 23rd birthday) to take out their own Life and Critical Illness policy with us without the need for medical underwriting. This is for up to half the amount of cover on the parent’s policy and subject to a maximum cover amount of £25,000. This isn’t available if we’ve already paid a critical illness claim for that child.
  • Includes congenital diseases - cover for congenital conditions such as common kidney and heart problems.
  • Enhanced claim payment – against 2 types of scenario where your client's child suffers a listed condition. Learn more in our cover features.
  • Payment of up to £25,000 or £50,000 if both parents hold a Life and Critical Illness policy.
  • 85 conditions and treatments covered for children - 20 conditions are included under one additional payment condition, ‘less advanced cancer’.
  • Covered from birth until their 23rd birthday - including step and legally adopted children) with no requirement to be in full time education.

    We know that from birth to young adulthood your client's child will experience countless life stages along the way. We think it’s important for them to be covered during these pivotal life moments in later years such as school, university, travelling and starting their career.
  • Child funeral cover - covering from birth, if your client's child dies before their 23rd birthday or the end date of their policy, we will pay £5,000 towards the cost of their funeral.
  • We cover 48 full payment conditions and 37 additional payment conditions - the conditions are the same as the main policy with the exception of total permanent disability and our diabetes additional payment condition.
  • 0-day survival period requirement - unlike other providers we’ll cover your client’s child from birth and don’t require a 14-day survival period to pay a claim.

Enhanced Children’s Cover

Supporting your client and their children is important to us. In addition to the above benefits, our Enhanced Children's Cover has the addition of 10 child-specific conditions and 6 pregnancy complications for your client. This could be perfect for your clients looking to start or grow their family, or for those looking for more comprehensive cover. 

Child-specific conditions

We’ll cover your client's children for 10 child-specific conditions including:

  • Cerebral palsy.
  • Child diabetes type 1 - requiring permanent insulin injections.
  • Child intensive care - requiring mechanical ventilation for 7 consecutive days.
  • Cystic fibrosis.
  • Down's syndrome.
  • Edward's syndrome.
  • Hydrocephalus - treated with the insertion of a shunt.
  • Muscular dystrophy.
  • Patau syndrome.
  • Spina bifida.

Pregnancy complications

We also cover 6 pregnancy complications:

  • Disseminated Intravascular Coagulation (DIC).
  • Eclampsia (excluding pre-eclampsia).
  • Ectopic pregnancy with surgery to remove a fallopian tube.
  • Foetal death in utero after between 20- and 24-weeks’ gestation (excluding elective pregnancy termination).
  • Hydatidiform mole.
  • Placental abruption (but excluding placenta praevia).

If your client needs to claim on their Enhanced Children’s Cover policy, they’ll receive a child’s claim payment of the lower amount - either 50% of the parents cover or up to £35,000, for any of the full payment or child specific conditions children covered by the policy.

For the pregnancy complications stated above, if the person insured is diagnosed with one of the listed conditions, we will pay £5,000 where we'll pay once per pregnancy.

Under Enhanced Children’s cover, we’ll cover from the 24th week of pregnancy for stillbirth (excluding elective pregnancy termination). If your client's child dies before their 23rd birthday or the end date of their policy, we will pay £5,000 towards the cost of their funeral.

Contact support call

Free medical and counselling services

Our Member Care Line is there when your client needs it most – 24 hours a day,
365 days a year.

From advice during pregnancy, to a tailored 16-23 Care Line for clients with older children, this can provide invaluable support to your clients and their family.

Contact Phone

Let’s talk

0800 678 1890

9am – 5:30pm, Monday – Friday

TextDirect: first dial 18801. We record and monitor calls for training and auditing.