As parents, our greatest wish is for our children’s health and happiness. But we also know that life can be unpredictable, and a critical illness diagnosis can turn everything upside down. That’s where critical illness cover for children comes in.

Everything you need to know about… How children are covered on critical  illness policies - Protection Guru

What is Critical Illness Cover for Children?

Critical illness cover for children is a type of insurance that provides a lump sum payment if your child is diagnosed with a serious illness. This payout can help you cope with the financial challenges that come with a critical illness, such as:

  • Medical expenses not covered by insurance
  • Lost income if you need to take time off work to care for your child
  • Home modifications to make it more accessible
  • Additional therapy or support services

What illnesses are covered?

The specific illnesses covered by a critical illness policy will vary depending on the provider. However, some common conditions covered include:

  • Cancer
  • Heart disease
  • Stroke
  • Multiple sclerosis
  • Cystic fibrosis
  • Muscular dystrophy
  • Kidney failure

Benefits of Critical Illness Cover for Children

There are many benefits to having critical illness cover for your children, including:

  • Peace of mind: Knowing that your child is financially protected can give you peace of mind and allow you to focus on their care.
  • Financial security: The payout from a critical illness policy can help you cover the costs of treatment, lost income, and other expenses associated with your child’s illness.
  • Flexibility: You can use the payout from a critical illness policy in any way that you see fit, such as paying for medical expenses, making home modifications, or taking time off work to care for your child.

Things to Consider Before Buying Critical Illness Cover for Children

The power of children's critical illness insurance - Macbeth

If you’re considering buying critical illness cover for your children, there are a few things to keep in mind:

  • The cost of coverage: Premiums for critical illness cover for children can vary depending on the provider, the level of coverage, and your child’s age and health.
  • The terms and conditions of the policy: Be sure to read the policy carefully before you buy it, so you understand what is and is not covered.
  • Your family’s needs: Consider your family’s financial situation and decide how much coverage you need.


Critical illness cover for children is an important investment that can provide your family with peace of mind and financial security in the event of a serious illness. By doing your research and choosing the right policy, you can help ensure that your child is protected if the worst happens.

Additional Tips

  • When comparing critical illness policies, be sure to get quotes from multiple providers.
  • Ask your insurance provider about any discounts or special offers that may be available.
  • Review your policy regularly and make sure that your coverage is still adequate.

I hope this blog has been helpful. If you have any questions, please feel free to leave a comment below.

Disclaimer: I am not a financial advisor, and this blog post is not intended to be financial advice. Please consult with a qualified financial advisor before making any decisions about critical illness cover for your children.