Can You Include Your Children On A Critical Illness Policy?

Yes. Most insurers will automatically include children on your policy.

STEP 1 of 2
Type of cover
Life Insurance       Mortgage Life Insurance
 
Cover Level (£)

Number of years
Do you want:  
Critical illness cover
Family income benefit
 

Hot Topics

Can You Include Your Partner On Your Critical Illness Policy?
Yes, as with Life insurance, Critical Illness policies can insure one or two lives.
Should you have a “Guaranteed” or a “Reviewable” policy?
When a policy is first started Guaranteed policies have higher premiums than Reviewable policies - but in the longer period Reviewable policies generally work out more expensive.
What other benefits can be added to a Critical Illness policy?
Life cover is a must. Then consider Waiver of Premium and Indexation.
Is there a minimum or maximum premium for critical illness cover?
Minimum premiums vary from company to company but they can be as little as £5 per month.
Are You Allowed To Continue Working After A Critical Illness Claim?
Once an Insurance company has paid your claim it has no interest how you live your life or what you go on to do.
Generally Critical Illness policies will pay a cash sum if your child is diagnosed with one of the critical illnesses listed on the policy. To qualify a child has normally to be aged between 1 and 18 years (although some companies only consider children from aged 3).

A payment made under the children’s provisions does NOT end the policy. So if a claim is made for a child, the policy will still remain in force. Therefore, you will still be able to make a claim if you (or your spouse, if the policy is arranged as Jointly) have a claim.

When your children reach 18 then they are no longer insured under your policy. If they want Critical Illness cover they must take out their own policy. (We’re sure they won’t mind you paying the premiums!)

Frequently Asked Questions related to the above topic.
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