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Children's Critical Illness Cover

One of the most rewarding times in life is becoming a parent. It's also one of the most responsible, and making sure your family is protected if anything happens to you is critical.

It's now commonplace for parents to have arranged enough life insurance and critical illness cover for themselves, but there's another benefit to critical illness cover - Legal & General automatically include children's cover at no extra cost.

So if you have a critical illness cover policy and your child is diagnosed with a specific critical illness and is eligible to claim, a lump sum could be paid. Children are not covered for pre-existing conditions or congenital conditions.

The lump sum pay out is limited to a fixed amount or proportion of the original sum assured, whichever is lowest, and the policy doesn't end so the cover for yourself continues unaffected.

At a very difficult time, this lump sum can give parents the flexibility to take time off work or even pay for private treatment; allowing them to focus on the most important thing: looking after their loved ones.

Legal & General children's critical illness cover - at a glance

Eligibility
  • Natural children, stepchildren and legally adopted children, as well as any children the policyholder may have in the future. 
  • The child must be aged between 30 days and 18 years old.
Waiting period
  • If a child is diagnosed with a specific critical illness during the term and survives for 14 days after the date of diagnosis and is eligible to claim, the lump sum is paid.
Benefit level
  • The maximum paid for a child meeting the definition of a critical illness is up to £25,000 or 50% of the sum assured, whichever is lowest.
Claims
  • Only one claim can be made per child.
  • Children's critical illness cover ceases after two claims have been accepted (the main critical illness cover continues).
  • No payment is made on death.
  • Any claim under children's critical illness cover does not affect the sum assured under the main plan.
  • If the same child is covered by more than one policy, the maximum payout is £50,000
Exclusions
  • Congenital, hereditary or pre-existing conditions.
  • Illnesses covered are as per adult version, however Total and Permanent Disability is not included
 
 

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