Product details

We know that when it comes to children’s cover, what suits one client might not suit another.

Find out more about the benefits of our Standard and Enhanced Children’s Critical Illness Covers, so you can tailor the cover to suit your clients’ individual needs. Our definition of a child is from birth up to age 21, or 23 if in full-time education.

BenefitsStandard Children’s Critical Illness CoverEnhanced Children’s Critical Illness Cover

44 main critical illness conditions

Cover for adults and children.

We’ll pay out the full amount of Critical Illness Cover for adults and 50% of the amount of Critical Illness Cover, up to £25,000 for children.

Cover for adults and children.

We’ll pay out the full amount of Critical Illness Cover for adults and 50% of the amount of Critical Illness Cover, up to £50,000 for children.

24 additional conditions

Not covered.

Cover for adults and children.

We’ll pay out 25% of the amount of Critical Illness Cover, up to £25,000 for both adults and children.

Children’s Critical Illness Cover Conversion Option

Not covered.

Cover for children

We automatically include a Children’s Critical Illness Cover Conversion Option. This means that within six months of the children’s cover ending, the child can take out their own Critical illness Cover with us, without any medical underwriting. This is for the same amount as they were covered for on their parent’s plan, up to a maximum amount of £50,000. This option isn’t available if we’ve already paid a critical illness claim for the child.

Added protection during pregnancy

Not covered.

Cover for adults and children.

We’ll pay out £5,000 for each affected pregnancy. 

13 child-specific conditions

Not covered.

Tailored cover for children.

We’ll pay out 50% of the amount of Critical Illness Cover, up to £50,000.

Children’s Terminal Illness Cover  

Not covered.

Tailored cover for children.

We’ll pay out 50% of the amount of Critical Illness Cover, up to £50,000. 

Children’s Total Permanent Disability 

Tailored cover for children.

We’ll pay out 50% of the amount of Critical Illness Cover, up to £25,000. 

Tailored cover for children.

We’ll pay out 50% of the amount of Critical Illness Cover, up to £50,000.

Death of a child

Not covered.

Tailored cover for children.

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

Visit our interactive definitions search tool for all of our critical illness definitions including our child-specific and pregnancy related definitions. Full details of our definitions can also be found in our plan details.

Making a claim whilst abroad

Claims for Children’s Critical Illness Cover can be made from any country, however we might need the person covered to return to one of the countries listed in section 1 of 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 1 of our plan details.

Terms and conditions

For full terms and conditions, see our Personal Menu Critical Illness Cover plan details.

 

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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.