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 financially protected if anything happens to you is critical.
If you have a Critical Illness Cover policy and your child is diagnosed with a specified condition and is eligible to claim, an amount of cover is paid. The amount of cover is always limited to a proportion of the original amount of cover selected and the policy doesn't end so the cover for yourself continues unaffected.
Child Accident Hospitalisation Benefit
If your child is admitted to hospital with physical injuries, following an accident, for a minimum of 28 consecutive days, we'll pay out £5000 to help you at this difficult time.
Our definition of 'physical injury' is one that has resulted solely and directly from unforeseen, external, violent or visible means and must be independent from any other cause.
The benefit will only be paid if the accident doesn’t result in us paying out under Children’s Critical Illness Cover. We will pay one claim per child, to a maximum of two children. If the same child is covered by more than one policy issued by us, we will pay a maximum of £10,000 for that child under this benefit.
Child Funeral Benefit
In the tragic event of your child passing away, we will contribute £4000 towards funeral costs. There are some conditions that apply:
If you, the parent, make a critical illness claim and we pay out, you will receive up to £1000 towards childcare costs whilst you recover. The claim would be paid upon receipt or proof of payment from a registered child-minder is applicable to a natural child, legally adopted child or step-child under 5 years old.
Family Accommodation Benefit
For every night your child spends in a hospital in the three months immediately following diagnosis of one of the critical illnesses covered we will pay you £100 per night, up to a maximum of £1000.
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Get extra protection for you and your family with our award-winning critical illness cover.