Frequently Asked Questions

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You asked: What is children's benefit?

Children's benefit is automatically included on any personal policy that includes critical illness cover. We'll pay £25,000, or 50% of the main critical illness benefit (whichever is lower), if any of your natural, step or legally adopted children are diagnosed with one of the children's critical illnesses or conditions we cover during the term of the policy.

If one of your children dies during the term of the policy, we'll pay a lump sum of £5,000. Children are covered from 30 days old until their 18th birthday (or their 21st birthday, if they are in full-time education).

We'll only pay out one critical illness claim for each child under the policy. We'll still pay a death claim for a child even if we've previously paid out on a critical illness claim for them. If we pay out under children's benefit, the policy will continue to provide cover for you and any other eligible children you have.

Children's benefit is only available with policies taken out on or after 7 July 2013. If you took out a policy before this date, please refer to the terms and conditions you received at the time.

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