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Children's Critical Illness cover

Protect your children at no extra cost

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Children's Critical Illness cover

No one ever wants to imagine their child becoming critically ill or suffering a serious accident. But sadly, it does happen.                                                                                                                                      

Our Children’s Cover is added to your policy automatically and at no additional cost. If you don’t have children now, they’ll still be covered if you do have a family in the future. Our cover includes:

Important information

Important information about our Children's Critical Illness cover

We won’t pay a claim for children’s cover if;

  • You were aware of an increased risk of your child suffering a critical illness before the start of the policy (for example you had received medical advice or counselling in relation to the critical illness); or
  • symptoms relating to the critical illness had arisen before the start of your policy

Also we will not pay a claim if the critical illness your child has been diagnosed with, or the reason they need to have an operation is caused by any of the following;

  • Intentional self-inflicted injury
  • Alcohol or solvent abuse
  • The taking of drugs (unless prescribed by a doctor)
  • Unreasonable failure to follow medical advice

With LV=, all children are covered including step children and legally adopted children. If you make a claim for children’s cover the main policy remains in full.

Children’s cover only pays out on diagnosis of a critical illness and will not pay out if the child dies.

Please read the policy summary and policy conditions to help you understand the full features of this product.

The information given in these pages should not be seen as advice to take out this plan so if you're happy that the product meets your needs you can apply online, or over the phone through LifeSearch.

Our Life with Critical Illness application is quick and easy

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