Children's critical illness cover
Children's Critical Illness cover provides that extra peace of mind
Overview
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 can be added to your policy at an additional cost. If you don't have children now, they'll still be covered if you do have a family in the future. The cover can be added immediately or at a later date, however if the cover is removed then it can't be added again. Our cover includes:
- A payment of 50% of the cover from the main policy, up to a maximum of £35,000. See a full list of the conditions we cover.
- We'll cover 95 conditions including 10 child-specific illnesses. See a full list of the critical illnesses covered.
- We'll pay up to £70,000 if your child has an illness or accident covered by one of our listed enhanced conditions (see the critical illnesses covered).
- We don't have a 14 day survival period needed to claim, unlike most other insurance companies.
- We'll pay £1,000 if your child is diagnosed with one of the cancers and treatment covered by this policy, when we receive evidence of their cancer diagnosis.
- Cover from birth until your child’s 23rd birthday, where they can then activate our Junior Option allowing them to start their own policy without having to go through medical underwriting.
- Cover for conditions present at birth.
- We'll pay £5,000 towards a funeral for any child covered (in addition to any payment made for one of the listed children's critical illness conditions).
- If Children's Critical Illness has been added, we'll pay £5,000 per pregnancy if the person insured by the policy is diagnosed with one of the 6 pregnancy complication conditions.
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
We will pay £5,000 towards the cost of a child's funeral, if the worse were to happen between birth and their 23rd birthday. This includes stillbirth occurring at least 24 weeks into the pregnancy (excluding elective pregnancy termination) and during the term of the policy.
Children's cover is an additional cost and can be added on to the policy immediately or at a later date (as long as there is at least 5 years remaining on the policy). Your children will not be covered by the policy unless you have chosen to add Children's cover to your policy.
If children's cover is added and then later removed, it cannot be added back on to the policy.
Your child will be unable to use the Junior option if we have already paid a critical illness claim for that child under any policy held with us. This option must be taken within 6 months of their 23rd birthday.
Under the Junior option each child can take up to half the cover of their parent’s policy, although this can’t be more than £35,000. If the parents have more than one policy the absolute most a child can take is £70,000 combined,
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.
If you have added Children’s cover to your policy it’s important to tell us when your youngest child reaches their 23rd birthday. Otherwise you could be paying for something you can’t claim on.
We won't pay a claim for any of the specified pregnancy complications if the person insured had suffered from, or were aware of an increased risk of suffering from that specific pregnancy complication before their policy started.
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.