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Children’s critical illness cover

There in case your child gets sick with a condition to ease the financial strain

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Children’s critical illness cover can be added to an adult’s policy. If your child gets sick and it pays a lump-sum to help your finances should your world get turned upside down.

What is children's critical illness cover?

If your child is diagnosed critically ill with a condition specified if your policy, then your insurer will pay a tax-free lump-sum to help you manage financially.

Policies vary, but usually you can cover a child from a few days after birth right up to adulthood. And for even longer if your child plans further education and will remain financially dependent on you.

Since 1998 we’ve been protecting UK families from the financial impact of life-changing events. As an independent intermediary, our loyalty is to you, not to the insurer or to any specific product.

Our goal is always to protect you and the life you love in the best way; a way that works for your needs, budget and what’s going on at home.

We’ve protected three-quarters of a million families and over 1.5m lives. We’re rated 4.9/5 on Trustpilot from 20,000 reviews by customers like you.

What does a children’s critical illness policy cover?

Children’s critical illness cover is similar to an adult critical illness policy in that it’ll cover many types of cancers, heart conditions and other critical issues children may face.

The conditions insurers cover may differ, provider to provider, so if you’ve something specific you want to talk about, a LifeSearch expert adviser can advise what’s possible.

What doesn’t it cover?

Children’s critical illness policies don’t cover every possible condition or injury. For a sense of scale, one insurer we work with covers over 50 conditions or possibilities. Another covers over 65 conditions or possibilities.

If you have something specific you wish to cover, or want to check what conditions are covered in an existing policy, please just pick up that phone and speak with a LifeSearch expert adviser.

How does money help?

Money isn’t magic. It doesn’t make an awful situation disappear, but it helps at a practical level. There are extra and sometimes hidden costs when anyone gets critically ill, especially children:

What happens when you claim on a children’s critical illness policy?

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LifeSearch From our Adviser Team

If your child suffers from an event or illness specified in your policy you can claim. In that instance, let LifeSearch know. We have an in-house claims team who can support you through the claims process. That’s one less thing for you to worry about on your own while there’s important stuff going on at home.

There may be questions and some back-and-forth with doctors but LifeSearch can stay on top of that as we liaise with the insurer and other relevant parties to ensure the swiftest, best resolution possible.

How the claim unfolds, and what happens after, depends on what was agreed when you bought your policy. Where children’s critical illness cover is a bolt-on to an adult’s cover, some insurers pay a percentage of the adult’s total pay-out amount.

How much does children’s critical illness cover cost? 

The average cost of a Life + Critical Illness policy, over the term of 25 years

Starting Age Cost to cover payout of £75,000
25
£12.89
30
£17.14
35
£24.04
40
£33.56
45 £49.12
50
£94.22
55
£150.95
 60 £231.87

 

*Pricing information obtained 25/7/2022. This data is based on a non-smoker with no medical history.

Critical illness cover can be a standalone product but more often than not it is bought alongside life insurance - to cover all bases and because it’s usually more affordable to bundle.

How much you pay for critical illness cover depends on where you’re at now (age, health, circumstances), and how much cover you want – i.e. how much you want your lump sum payout to be.

Frequently asked questions and tips on children's critical illness cover

It can be. At LifeSearch we help you build the right policy for you. We design policies around what you need to feel OK; as well as your circumstances, budget, and future plans.

It’s very common for adults to take out ‘life and CIC’ (CIC – critical illness cover), so talk with a LifeSearch expert and we can tell you what’s possible to protect the people you love.

Each insurer has a slightly different approach to children’s critical illness cover. In some cases where a child or children are protected as part of an adult’s policy, the policy will continue after claiming on a child.

Speak with an expert LifeSearch adviser who can give you the right advice on which policy is right for you.

To be honest, we’d rather not coldly write up a list of stats. The answer is that it happens. Unfortunately, it happens

A child suffering a life-changing illness is just about the worst thing any of us can imagine. It’s up there.

On top of any extra support your insurer may offer, all LifeSearch customers can access LifeSearch Care, our package of nurse, therapeutic and practical services

Find out more about LifeSearch Care

We can connect you with nearby and relevant professionals, as well as charity and support organisations, to help get you through dark times.

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LifeSearch Limited is an Appointed Representative of LifeSearch Partners Limited, who are authorised and regulated by the Financial Conduct Authority. Calls may be monitored/recorded.