Critical Illness Insurance and Children – can they be included in the policy?

Offering a sigh of relief in answer to this question, children can be included within a critical illness policy that is taken out by either parent, offering the same level of protection against critical illnesses as long as they have no previous medical issues such as birth defects that affect the heart or the major organs for example.

However, for the majority of parents; opting to place their little ones on their critical illness insurance policies can often be completely free of any extra charge because the chances of a normal healthy child being diagnosed with a critical illness are very, very rare. Understanding this and the low risk that children pose, many critical illness protection providers such as the experts here at Critical Illness Insurance are happy to provide additional cover for your children at no extra cost to you.

Deciding to do this, to arrange cover for your children means that in the event that your little ones develop a serious illness that is covered in your policy means that you can put forward a claim to assist you in paying for treatments, medication, specialist fees and the general well being of your children. Although in the majority of cases, it is the parents who worry about how their bills will be paid if they suffer a serious illness or have an accident, consider the outcome where your child becomes ill and you need to give up your job to tend to them. With a critical illness policy that offers protection for you and your children, you are covered in any eventuality where your circumstances change.

Medical requirements for adding children to your policy

As mentioned previously, if your child has a recorded or existing condition many insurers may not be able to offer a placement on your policy for them. With the chance of children having slightly different exclusions to the policy wording that applies to you, it may mean that you discuss the possible outcome with your chosen insurer to make clear the level of cover that applies to the children you wish to include within your insurance cover. Once again, remaining true and honest with your insurance advisor will avoid any upsets if a claim has to be put forward.

So, how would you file a claim with us for your children?

Simply put, you would file a claim in the exact same way as you would if you were to do so for yourself. As the parent you would have to fill out a designated claim form and send it to us. Our aim is to make the process as simple and effective as possible, doing the very best to provide a superb service to each and every one of our clients. Meeting the requirements of the policy and being diagnosed with a disease recognised as critical by ourselves, the claim would be paid out, delivering a cash lump sum to the family, to use as they see fit; once the survival period has been cleared which is usually 1 month.