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What is Children's Critical Illness Cover?


From looking at our previous articles we know adults can be covered should anything happen to them, but what about our children, or future children? one of the worst thoughts that cross a parent's mind is the health and well-being of their child and the worst thought is for anything to happen to them. Let's look further into children's critical illness cover...

Could you afford to take time off work should anything happen to your child?


Children's critical illness cover works the same way as normal critical illness cover, it is a type of insurance that pays out a lump sum if your child or future children get a serious illness, defined within the provider's terms. The payment time varies it might be on diagnosis, when the condition reaches a certain severity or on treatment.

just like life insurance or critical illness cover you will pay a monthly premium until a successful claim is accepted and you will receive the payout agreed upon. Please note this isn't always a stand-alone insurance policy and can be included in your monthly premium cost, this is always good to check with your provider or make our advisors aware that you would like this included.

What's the payout amount and how does it work?

A lot of providers consider this as a partial claim as you won't receive the full amount of your coverage for this. This is usually a percentage of your critical illness cover or most providers offer £25,000 whichever is lower will be offered.

You can only use this cover once per child and if you have multiple children just because you use it on one doesn't mean the others aren't covered. You will also still receive your full cover should anything happen to you.

Critical illness is a contribution towards your family's finances that you can use however you need from:

  • Travel expenses

  • cover any income lost if you have to stop working

  • childcare

  • adapting your home.

If you would like to talk more about children's critical illness cover feel free to give us a call at 0333 188 7617 or email us at

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Your Choice Cover

12 Celtic Trade Park, Bruce Road Fforestfach, Swansea, SA5 4EP

Phone: 0333 188 7617


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