CHILDREN’S CRITICAL
ILLNESS PROTECTION
Our Children’s Critical Illness Protection is an optional extra that can be added to any adult cover in our Essentials or Protection ranges, at any time. And you can select any amount between £10,000 and £100,000, limited to the parents’ cover amount.
Product overview
Policy details
Basis: An optional addition to any adult cover
Premiums: Guaranteed
Pay outs: Lump Sum
Type of cover: Level Cover or Increasing Cover (RPI)
Age when cover ends: 23
Minimum cover amount: £10,000
Maximum cover amount: £100,000 (Limited to parent’s cover amount)
Key Product Features
Definitions designed to pay: Clearer, more all-encompassing definitions
Can be added to any adult policy: Including adult life cover or income protection only
Covers all children: covers policyholder’s and their partner’s natural, step or adopted children
Higher cover amounts: Select between £10,000 and £100,000, limited to the parent’s cover amount
Funeral cover: £10,000 contribution towards funeral costs
Immediate cover: Children covered before we offer terms
Additional Services
HALO: Access to tailored medical and legal support at the point of claim
Anytime: At no extra cost access to a GP 24/7, second medical opinions, wellbeing and aches and pains consultations at any time
HALO and Guardian Anytime don’t form part of your client’s contract with us, and we can change or remove the benefits included at any time.
Definitions designed to pay
Our focus is on providing the best possible cover for the most common illnesses. We aim to make our definitions clearer and more all-encompassing than the rest of the market. And, in many cases, the word of a UK Consultant is all we need to pay out.
Can be added to any adult policy
We’ve made Children’s Critical Illness Protection an optional extra that can be added to any adult cover, not just adult critical illness cover, at any time – including to our Life Essentials, Life Protection and Income Protection.
Covers all children
We cover the policyholder’s and their partner’s natural, step or adopted children and those for whom they’re the legal guardian or have been granted parental responsibility. So customers can protect children who are part of their blended family. And they’re covered from birth to age 23.
Higher cover amounts
Children’s Critical Illness Protection as an optional extra and you can select any amount of cover between £10,000 and £100,000, limited to the parent’s cover amount. What’s more, if the parent has Increasing Cover, we’ll apply that to the children’s cover too.
Cover upgrade promise
We believe existing customers should be treated as well as new ones. Our cover upgrade promise is our promise to policyholders that if we improve our critical illness definitions for new policyholders after their cover has started, we’ll give those improved definitions to them as an existing policyholder.
This means they can claim on any of the definitions listed in their policy terms and conditions, or any improved definitions we subsequently add.
Immediate cover
If your clients are eligible, and their cover can’t start right away, we may put immediate over in place for them. This is temporary cover, of the same type you’ve applied for, and it starts as soon as you submit the application online to make sure there are no gaps in your clients’ protection. Immediate cover applies to all covers. For Income Protection and Life Essentials immediate cover is limited to £300,000 before we offer terms.
Part of our Protection Menu
Children’s Critical Illness Protection is part of our Protection Menu. So, you can combine with our other cover types from either our Essentials or Protection ranges to create a single policy that meets your client’s needs perfectly.
Plus, at no extra cost access to….
We don’t have a set list of additional services when people claim. Our approach is much more personal, and we call it HALO. Our claims specialists listen to each claimant’s concerns, identify the exact help they need, and through our network of medical and legal experts, make it happen. It’s an extraordinary service, because there’s no such thing as an ordinary claim.
We’re not just here for policyholders when they need to claim. All our customers get free additional benefits – anytime. This includes 24/7 GP consultations over the phone from anywhere in the world, UK-based face-to-face second medical opinions, over the phone consultations for emotional well-being and aches and pains.
HALO and Guardian Anytime don’t form part of your client’s contract with us, and we can change or remove the benefits included at any time.
