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Children's Critical Illness cover at a glance

No one ever wants to imagine their child becoming critically ill or suffering a serious accident. Sadly, it does happen. Our children’s cover is added to your policy automatically, at no additional cost. And if If you don’t have children now, they’ll still be covered if you do have a family in the future.

The main features of our Critical Illness cover for children include;

  • 50% of cover available up to a maximum of £25,000
  • Unlike other insurance companies we have no 14 day survival period required before we pay a claim
  • Cover for 62 of the 63 conditions from our main policy (not including Diabetes Mellitus Type 1).
  • Cover from birth until your child’s 21st birthday
  • Cover for conditions present at birth (congenital conditions)
  • If a claim is made as a direct result of an accident for 10 conditions, we pay double - up to a maximum of £50,000

An LV= Story – Meet Nicola and Jeremy

Watch Nicola and Jeremy's moving story

Video transcript

Nicola: We have four children; the eldest Sam is 16 now.

Jeremy: My stepfather is a financial adviser. When Nicola and I started having children he recommended a couple of policies. There was some protection insurance for if I lost my job and he also recommended a critical illness insurance.

Nicola: Well we went out one day, it was the 21st of December 2013 and it was when we got back, Jeremy’s mum, who had been looking after the children said that Sam had found a lump on his neck.

Jeremy: As time went on through that Christmas and New Year period and the lump didn’t go down we started to get progressively more worried and by the time we came back from our New Year break we were very keep to get the medical process started and got down the GP. And then we went back a week later and the doctor had had the results of the biopsy and he confirmed it was Hodgkin’s Lymphoma. Meant that he had to have four months of treatment; chemotherapy treatment. Once the treatment started he was put on a program of 20-day cycles: five consecutive days of treatment and one treatment on the 8th day of the cycle and one treatment on the fifteenth day of the cycle – so that was like seven days in twenty that we had to go up to London.

Nicola: A tube was inserted up to the neck and a vein that goes to the heart. So all of his chemotherapy, all the blood tests that he had, everything that he needed, fluids and everything would all go through one of these two ports that came out of his arm, that he kept in for the entire time of the treatment. Obviously the treatment, the hair loss – that’s a big thing, and that starts happening pretty quickly.

Jeremy: They were amazing at the hospital.

Nicola: Not sure how we got through January, it was really really tough, I mean Sam started his treatment. But like you say, you do it, and you carry him along, you gear everybody up and just do what has to be done.

Jeremy: I think my stepfather came over towards the end of January. He said have you got the LV= life policy document. Brought it to him and he had a little flick through. He said that there’s a provision in the policy should one of your children become sick.

Nicola: Think insurance companies as a whole tend to have that reputation of if they can get out of it they will. So we didn’t think too much, we thought oh ok we’ll look into it but we didn’t think too much of it.

Jeremy: I called up. I was met with a very sympathetic response. I received the claim form very quickly. I filled it in and not long after I was contacted by Helen who said that she was going to manage the claim for us and I just got the impression from speaking to her that she was working for us, you know, with us rather than against us. It felt like she wanted to give us the money that we were entitled to.

Nicola: She sounded like she cared.

Jeremy: Very soon after that we were given a cheque for £25,000.

Nicola: We were lucky. We had all the help we needed. I wasn’t working so was able to be with Sam the whole time. Jeremy – they were very understanding when he did need time off. So we decided to keep the money back for Sam. When he wants to do something that is significant, it’s there for him. It's his.

Jeremy: 2014 for us was a year that we definitely don’t want to repeat – you know awful – but at the same time it was a year when we really realised how lucky we were in many ways. The love and support we were given was unbelievable. After seeing the treatment that Sam got from January through to May, particularly at the UCLH’s teenage cancer trusts ward I just thought I’d like to raise some money for them so we’re going to do the London to Brighton bike ride, and Sam’s going to do it with us.

Nicola: I mean it’s the old cliché; everybody thinks it’s never going to happen to us, and we thought that. Not anymore, I mean it can just happen, and it happens in the blink of an eye and just in a moment, everything changes.

Nicola and Jeremy took out Life Insurance and Critical Illness cover when they started a family. They didn’t realise this would also cover all of their children, until in 2014 when their eldest son Sam was diagnosed with Hodgkin’s Lymphoma.

Watch their story on how they coped and how the LV= claims team supported them through a very traumatic time.

Everybody thinks it’s never going to happen to them and we thought the same, but not anymore, it happened in the blink of an eye and in a moment everything changes.

Nicola and Jeremy Krystyniak, Critical IIlness customers

Our life with critical illness application is quick and easy


LV= Doctor Services

When you take out a new policy with us you will gain access to LV= Doctor Services at no extra cost. This means you can get medical advice regarding treatment you might need.

  • Simple to use
  • Easy access
  • No added cost

Member rewards

You automatically become a member which gives you access to a range of benefits at no extra cost:

  • 24 hour member care line to help with:
    - criminal and civil law queries
    - health and medical questions
  • community fund supporting good causes.
  • participation in election of board directors.

Do you need help?

Call LifeSearch on 0800 197 2266
Mon to Thu 8am - 8pm, Fri 8am - 6pm

Existing customers 0800 678 1906
8.30am - 6.30pm Monday to Friday

LV= have chosen to partner with LifeSearch to offer customers independent advice for protection products.

Calls may be recorded for training and monitoring purposes.

More about LifeSearch and your protection needs