CHILDREN’S CRITICAL
ILLNESS COVER
Pays out if your child becomes critically ill, to help you provide them with the best possible care.
Why is it a good idea?
Sadly, kids can get seriously ill too
Bumps, scrapes and bruises. All kids get them and, while they may shed a few tears, they’re usually nothing serious.
However, there are some things that can happen to children that could have a life-changing effect on the whole family. A critical illness is one of them.
Caring for an extremely poorly child can involve serious costs. You may want to take time off work to care for them and there could be unforeseen expenses heaped on top of your usual outgoings.
The payout from a children’s critical illness policy helps you to take the best possible care of your child.
How does it work?
We pay out, so you can concentrate on caring
If you have a Guardian Life Protection, Life Essentials, Critical Illness Protection, Combined Life and Critical Illness Protection or Income Protection policy, you can simply add Children’s Critical Illness Protection to it at any time. It covers a range of serious, life-changing conditions, and we pay out a lump sum to help you cope and concentrate on the most important thing – being there to care.
If you have a Guardian Critical Illness Essentials or Combined Life and Critical Illness Essentials, children’s cover is built in to your cover and will pay out either £25,000 or 50% of your cover amount whichever is lower. But we know that’s not always enough, so you can choose to add Children’s Critical Illness Protection to your policy anytime.
Built-in children's cover
Depending on the cover you chose, you might have children's cover built in
If you choose Critical Illness Essentials or Combined Life and Critical Illness Essentials you have children’s critical illness cover built in. It covers you and your partner’s natural, step, legally adopted children or children under legal guardianship from 30 days old to age 18 (or 21 if they’re in full time education) and pays out £25,000 or 50% of your cover amount, whichever is lowest.
If you choose any cover in our Protection range or Life Essentials, then Children’s Critical Illness Protection is an optional extra that can be added to your policy at any time. It covers you and your partner’s natural, step, legally adopted children or children under legal guardianship from birth until age 23 and pays the full cover amount for specified critical illnesses, including 6 child specific conditions.
You can choose to add Children’s Critical Illness Protection to any of our covers from either of our Essentials range or Protection range at any time. You can select any amount between £10,000 and £100,000, limited to your own cover amount.
To find out more talk to your Financial Adviser before deciding which children’s critical illness cover is right for your needs and budget.
Policy terms and conditions
For more details, view our policy terms and conditions and key facts.
To find out exactly what suits your needs best, speak to a financial adviser.
The policy terms and conditions and key facts below are for our optional Children’s Critical Illness Protection. For policy terms and conditions and key facts documents relating to built-in children’s critical illness cover, please see Critical Illness Essentials or Combined Life and Critical Illness Essentials policy terms and conditions and key facts.
