Children are covered as part of their parents’ critical illness policy for no extra cost. For parents who want additional cover for their children we offer Children’s Critical Illness Extra at an additional cost.
Children are covered for all the conditions listed in their parents’ Critical Illness Cover except total and permanent disability and terminal illness cover. The conditions covered include many childhood cancers, stroke and benign brain tumour, which are amongst the conditions most claimed for and paid out.
Cover applies to a natural child, legally adopted child or stepchild of the adult covered.
In 2017 we paid 92.7% of all claims, with an average payout of £25,000.