To help protect against the effects of inflation,your clients can choose to increase the amount of cover over the term of their plan in one of two ways:
Your clients can reduce the amount of cover over the term of their policy in two ways:
If your clients are getting married, taking out their first mortgage, increasing their existing mortgage, their rent is increasing or becoming a parent, they can increase their cover within certain limits without providing any medical evidence.
However, if they want to increase the amount of their cover for any other reason, or by more than the specified limits, they may need to supply medical evidence.
When your clients take out Critical Illness Cover, they can choose to add the level of Children's Critical Illness Cover to suit their needs and budget. Or they can choose to leave it off entirely if they don't have and don't plan on having children, so that your clients aren't paying for a benefit they don't need. Your clients can also change or remove their Children's Critical Illness option at any time during the term of their plan.
Enhanced Children's Critical Illness Cover - our most comprehensive option, it provides protection from pregnancy to young adulthood (age 22, or 23 if in full-time education). It includes 13 child-specific conditions and an extra additional condition for pregnancy complications.
And with this level of Children's Critical Illness Cover, 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.
Claims for critical illness cover can be made from any country, however we might need the person covered to return to one of the countries listed on page 5 of our plan details.
For full terms and conditions, see our Personal Menu Critical Illness cover plan details.