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 they die 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 five 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 six 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.