Children's Critical Illness Cover
If you choose to add Critical Illness Cover for an additional cost when you take out a life cover policy, Children’s Critical Illness Cover is automatically included.
If you already have Critical Illness Cover with us, please refer to your original policy documents for full terms and conditions and definitions available to you. The critical illnesses you're already covered for may be different from those listed below.
Children's Critical Illness Cover at a glance:
Additional benefits of Children's Critical Illness Cover
Child Accident Hospitalisation Benefit
If your child is admitted to hospital with physical injuries, immediately 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. Up to a maximum of two Child Funeral Benefit claims are covered per policy. There are also some conditions that apply:
- If the child's condition was present at birth the claim would not be paid
- The claim wouldn't be paid if the cause of death was present before the policy was put in place
- The claim wouldn't be paid if we have already paid a critical illness claim for the child.
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 of proof of payment from a registered child-minder and is applicable to a natural child, legally adopted child or step-child under 5 years old. This benefit covers childcare that takes place in the 18 months following your diagnosis.
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 Children's Critical Illness Cover we will pay you £100 per night, up to a maximum of £1000.