Options for Critical Illness Cover Specifically for Children
Most UK critical illness policies include free children's cover as standard, typically 25-50% of your sum insured (up to £25,000-£50,000). This covers biological, adopted, and step-children from 30 days old until age 18-21. Child-specific conditions like childhood cancers and meningitis are covered, and claims don't affect your main policy.
Children's Critical Illness Cover
Included with parent policies
Most providers include children's cover free as part of adult critical illness policies
Cover from birth
Children are typically covered from 30 days old until age 18-21
Child-specific conditions
Policies cover conditions more common in children like meningitis and childhood cancers
Doesn't affect your cover
A successful child's claim doesn't reduce or end your own policy coverage
Frequently Asked Questions
Is children's cover included free with my policy?
Most adult critical illness policies include free children's cover at a percentage of the main cover (typically 25-50%, up to £25,000-£50,000). This covers biological, adopted, and sometimes step-children.
What conditions are covered for children?
Children's conditions typically include childhood cancers, meningitis, encephalitis, heart surgery, major organ transplants, and severe disability. Cover continues until age 18-21 depending on the policy.
Can I buy standalone children's critical illness?
Standalone policies for children only are rare and usually not necessary. Children's cover as an add-on to adult policies is more cost-effective and widely available.
Does a children's claim affect my policy?
No. If your child makes a successful claim, your cover continues unchanged. The children's benefit is a separate, additional benefit to your main policy.
Related Questions
This page provides general information only and does not constitute personal financial advice. Critical illness insurance products and their terms vary between providers. Always read the policy documentation carefully before purchasing. Your Home Finance is authorised and regulated by the Financial Conduct Authority.