If you are a parent, the last thing you ever want to think about is what would happen if your child became critically ill.  
 
You would want to be with your child every step of the way, attending hospital appointments and recovery time. This may mean having to take time off work which in turn, would affect the household income. 
 
Children’s critical illness for some insurers is included with an adult critical illness policy at no extra cost. It will depend on the insurer the age the child is covered from and the amount you are insured for. 
 
Some insurers will insure you from 24 weeks of pregnancy.  
 
This means if your child was to be diagnosed with certain conditions such as down’s syndrome or cerebral palsy whilst in the womb, you could receive a pay out from the insurer.  
 
This money could be used to make modifications around the home, replace your income should you need to take time off work for medical appointments, child care costs if there are other children in the household who would be unable to attend medical appointments due to school or pay towards private medical care.  
 
Every insurer has a set amount of conditions they will cover the child for as well as the amount that can be claimed. 
 
A question I get asked is how often children’s critical illness is claimed against.  
 
The answer is sadly more often than you imagine. In 2021 Aviva reported there were £4.7 million worth of pay outs for children’s critical illness. 33.2% were for cancer. 
 
If you have an existing policy in place, you may be able to add this cover.  
 
Some insurers may not even charge for this addition.  
 
What ever the case may be, let me review the policy.  
 
I can speak to your insurer for you and also review to ensure the policy is still fit for purpose for you and your family. Contact me today to book in your review. 
 
Victoria Bennett 
victoria@hdconsultants.net 
07305 396 811 
Tagged as: insurance, pregnancy
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