Critical Illness Cover product details

Find out more about the critical illness definitions we cover and how you can tailor cover to suit your client's individual needs.

Children's Critical Illness Cover

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). As well as cover for pregnancy complications, we also cover a number of child-specific conditions.

    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.
  • Standard Children's Critical Illness Cover - cover for our main critical illness conditions plus total permanent disability. An option for clients who want some protection for older children, or who may be more cost conscious.

Visit our interactive definitions search tool (opens in a new window) for a full list of our critical illness definitions. Or find out more about our Children's Critical Illness Cover options.

We won't pay a claim if:

  • The person covered dies within 10 days of meeting one of our critical illness or total permanent disability definitions.
  • It's the result of intentional self-inflicted injury defined in the plan details.
  • The person covered doesn't meet one of the critical illness or total permanent disability definitions in the plan details.
  • It's the result of an exclusion shown on the cover summary.

Making a claim whilst abroad

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 (PDF).

Terms and conditions

For full terms and conditions, see our Personal Menu Critical Illness cover plan details (PDF).