Children’s Critical Illness Cover

When we think about protecting our families, we often focus on ourselves—but children can face unexpected health challenges too. Children’s Critical Illness Cover provides financial support if your child is diagnosed with a serious medical condition covered by the policy, helping ease the burden during an incredibly difficult time.

How It Works

Children’s critical illness cover typically pays out a lump sum ranging from £10,000 to £100,000 upon the diagnosis of a covered condition. This money can help cover:

  • Time off work for parents

  • Travel and accommodation costs for treatment

  • Specialist care or equipment

  • Everyday household expenses

The cover is usually available for children up to age 18, or up to age 23 if they’re still in full-time education. It’s available to biological parents, step-parents, adoptive parents, and legal guardians, making it a valuable option for a wide range of family situations.

In most cases, children’s critical illness cover is offered as an optional add-on to an adult critical illness policy—not as a standalone product. We’ll help you understand when and how to add this extra layer of protection, so your whole family is cared for.

Why Choose A & R?

Advised Service

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Remote Appointments

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No-Obligation Support

Explore your options with zero pressure

UK-Wide Expertise

Wherever you are, we’re ready to help

What Conditions Are Covered?

While policies vary, children’s critical illness cover often includes:

  • Cancer

  • Major organ transplant

  • Severe burns

  • Loss of limbs

  • Stroke

  • Benign brain tumour

  • Other serious illnesses defined in the policy

Add-On or Standalone?

Children’s critical illness cover is usually added as an optional extra to an adult critical illness policy. We’ll help you understand your options and decide if adding this extra layer of protection is right for your family.

Got a Question? Let's Talk

Whether you're unsure about what cover you need or just want a second opinion—we're here to help.