Children’s Critical Illness Cover

We know that when it comes to children’s cover, what suits one client might not suit another. So when your clients take out Critical Illness Cover with us, they can choose to add Enhanced Children’s Critical Illness or Standard Children’s Critical Illness Cover.

Our definition of children includes legally adopted children and financially dependent children up to the age of 21 (whether born before or after the start date of the plan).

Your clients' own cover won't be affected by any children's claims we pay out.

Enhanced Children's Critical Illness Cover

We'll pay out 50% of the amount of Critical Illness Cover, up to £50,000 if:

  • A child meets the definition of any of our 13 child-specific conditions.
  • A child meets our definition of a terminal illness.

We'll pay out £5,000 on the death of a child.

Children are also covered for:

47 main critical illness conditions, plus Total Permanent Disability - if a child meets the definition of one of our main critical illness conditions, we'll pay out 50% of the amount of Critical Illness Cover, up to £50,000.

20 additional conditions - if a child meets the definition of one of our additional conditions, we'll pay out 25% of the amount of Critical Illness Cover, up to £25,000.

Added protection during pregnancy

If your clients meet our pregnancy complications definition, we'll pay out £5,000 for each affected pregnancy. In the case of multiple births we'll pay out £5,000 for each baby affected by foetal death, still birth and neo-natal death.

Child specific conditions

  • Cerebral palsy.
  • Child diabetes mellitus type 1 – requiring permanent insulin injections.
  • Child intensive care benefit – requiring mechanical ventilation for seven days.
  • Craniosynotosis – requiring surgery.
  • Cystic fibrosis.
  • Down’s syndrome.
  • Edwards syndrome.
  • Hydrocephalus – treated with the insertion of a shunt.
  • Muscular dystrophy.
  • Osteogenesis imperfecta.
  • Patau syndrome.
  • Spina bifida.
  • Surgical repair of an atrial or ventricular septal defect.

Pregnancy complications

  • Disseminated intravascular coagulation (DIC).
  • Eclampsia (but excluding pre-eclampsia).
  • Ectopic pregnancy with surgery to remove a fallopian tube.
  • Foetal death in utero after at least 20 weeks gestation.
  • Hydatidiform mole.
  • Neo-natal death – giving birth to a child of at least 20 weeks gestation that does not survive 14 days.
  • New born intensive care – giving birth to a child of at least 37 weeks gestation that requires continuous mechanical ventilation by means of tracheal intubation for seven days (24 hours per day) or more in an intensive care unit in a UK hospital, starting between the date the child was born and age 90 days.
  • Placental abruption (but excluding placenta praevia).
  • Still birth (excluding elective pregnancy termination) after at least 24 weeks gestation.

Standard Children's Critical Illness Cover

If a child meets the definition of one of our 47 main critical illness conditions, we'll pay out 50% of the amount of Critical Illness Cover, up to £25,000. 

Our definitions

Visit our interactive definitions search tool for details of our child-specific critical illness definitions, our 47 main critical illness definitions, and our additional conditions.

Full details of all our definitions can also be found in our plan details.

When we won’t pay a claim

There are some circumstances where we won’t pay a claim. For full details, take a look at ‘When we will and won’t pay a claim’ in Section one of our plan details.

Terms and conditions

For full terms and conditions, see our plan details.

Get a quote

Use our interactive quote and apply service to find out just how affordable our children's cover is.

Children’s cover options

This sales aid compares our Children’s Critical Illness Cover options.

Made to measure

Use this sales aid to show clients the benefits of Enhanced Children’s Critical Illness Cover.

This website is intended for financial advisers only and shouldn't be relied upon by any other person. If you are not an adviser please visit

The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.