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Personal Protection

Child Serious Illness Cover

In 2023, we paid out £2.9m in Child Serious Illness Cover claims1


Market-leading cover made better

Like our award-winning adult Serious Illness Cover2, we provide the widest level of cover for children. We pay out a cash lump sum if any of your client's children suffer a serious illness.

Children can also enjoy the Vitality Programme at no additional cost - based on their plan - from partners like Vue and Odeon, Runners Need and Garmin

And now, all children will now be automatically included under a single premium.  

Casper's claims story

We all know life’s not predictable. That’s why it’s important to protect what’s most important to you – your family.

When Emma had Casper, it prompted her to take a look at her life insurance plan. After choosing Vitality, her financial adviser suggested that she took out Child Serious Illness Cover. Among its many benefits, like severity-based payments for when children fall ill, it also gave Emma extra cover towards any medical care bills or taking time off work to be with Casper.

More reasons to recommend

1. Covers a wide range of conditions from birth: Children are covered for all of the conditions adults are covered for, with congenital conditions covered as standard.
2. Tailor your client's cover: You can add Child Serious Illness Cover to any plan up to £100,000. We can also match the adult’s level of cover if needed.
3. Comprehensive cover: Benefit from multiple claims and if a child is hospitalised for over 14 consecutive nights, we will pay out £100 for each additional night.
4. No additional fee for their access to the Vitality Programme:
 Additional child cinema tickets are available with Vitality Plus3, and more.

Child Serious Illness Cover toolkit

Quick access to everything you need to support your client conversations.


The broadest cover in the market4 with multiple claims

When chosen with adult Serious Illness Cover, we automatically give children the same version of cover. Their cover is available from £25,000 to £100,000.

Your clients can choose from one of our simplified comprehensive products: 

  • Child Serious Illness Cover 1X - covering 113 conditions
  • Child Serious Illness Cover 2X - covering 143 conditions
  • Child Serious Illness Cover 3X - covering 174 conditions.

You can also offer Child Serious Illness Cover alongside adult life cover or income protection plans.  

All children will be covered under a single premium.


The Vitality Programme for children

If your client chooses to add Optimiser to their plan - with a premium of £45 or more for a single life or £60 for joint life - we help their family lead a healthier life. So children get access to these partners and rewards:

We're here to help

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Adviser Hub

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Get in touch

Call us on 0345 601 0072. Lines open Monday - Friday 8.30am - 6pm


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1. VitalityLife Claims and Benefits Report, 2024
2. Cover for complications of pregnancy and Dementia and FrailCare Cover has been removed for children.
3. S
ubject to a maximum of four per family, per month.
4. More conditions covered than any other provider, Defaqto, 2023.