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Vitality

Personal Protection

Child Serious Illness Cover

Cover from as little as £2 per month for £25,000 of cover per child*

Why Child Serious Illness Cover?

Our market-leading1 Child Serious Illness Cover is an optional benefit that can be added to any Life, Income Protection or Serious Illness Cover plan and provides a valuable benefit if your client's child were to suffer a serious illness or accident - a thought no family wants to imagine.
Download Child Serious Illness Cover Guide

Key reasons to recommend Child Serious Illness Cover.

We take a unique approach to insurance, by being the only provider to integrate wellness and insurance with our Vitality Programme. 

  • Market leading cover for children

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    Children are covered for all conditions featured on the adult plan, including those common among children such as type 1 diabetes.

  •               Flexible cover                             

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    Select any amount between £15,000 to £100,000 and you don't need to have adults cover.

  •      Hospitalisation benefit            

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    If your child is hospitalised for more than 14 nights, we'll pay out £100 for each additional night in hospital.

  •              Tailored cover                       

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    We automatically include cover to Total Permanent Disability which has been tailored specifically for children.

Child Serious Illness Cover Toolkit.

In this toolkit, you can easily access everything you’ll need to talk to your clients about Child Serious Illness Cover. We’ve highlighted the most popular resources in yellow, and you can find a list of the others below. You'll find other toolkits throughout our website.

Casper's Serious Illness Cover Claim video
Casper's Child Serious Illness Cover claims case study sales aid
Life Cover isn't just for adults - Insights Hub article

How it works

Our Child Serious Illness Cover is an optional benefit that can be added to any Life, Income Protection or Serious Illness Cover plan. There are two levels of cover available:

Child Serious Illness Cover - covering 138 conditions
Child Serious Illness Cover Plus - covering 167 conditions

If adult Serious Illness Cover is selected, Child Serious Illness Cover will automatically provide the same level of cover as the adult.

If adult Serious Illness Cover is not selected, the child will automatically be covered under Serious Illness Cover.

Child Serious Illness Cover can be added to children over 30 days old and ends when your child is 18 years old or 23 years old if they are in full time education.

Additional protection for families.

Family Benefit is automatically included on all adult Serious Illness Cover plans and provides additional cover for congenital conditions at birth, complications of pregnancy and provides a funeral benefit if your client's child passes away.
Find out more

Child Serious Illness Cover FAQs.

Child Serious Illness Cover can be added to children over 30 days old, maximum entry age 17 years old. Child Serious Illness Cover ends when a child is 18 years old or 23 years old if in full time education.
Maximum total amount of benefit we will pay for each named child under this cover over the term of the plan is £100,000.
First plan anniversary after their 18th birthday (23rd birthday if they are in full-time education).
Child Serious Illness Cover does not include Family Benefit, which covers 15 conditions. Family Benefit is included in the plan if adult Serious Illness Cover is selected.
Child Serious Illness Cover includes cover for 38 conditions unique to Vitality and Child Serious Illness Cover Plus includes cover for 61 conditions unique to Vitality.

Our comparison tool provides information on the conditions we cover under Serious Illness Cover – go to the tool. https://vitalityillnesscomparisontool.co.uk/#start
No. Our Child Serious Illness Cover is an optional benefit that can be added to any Life, Income Protection or Serious Illness Cover plan. However, adding adult Serious Illness Cover will unlock even greater benefits for your client’s family.

Where to next?

  • Serious Illness Cover

    Our award-winning Serious Illness Cover.

  • Additional Cover

    Explore our additional cover options that allow you to tailor your clients' protection plans.

  • Vitality Programme for kids

    To help your client's family lead a healthier life, children get access to a range of selected partners and rewards.**

  • Personal Protection

    With our Personal Protection, we offer your clients the best cover to suit their needs, such as our award-winning Serious Illness Cover.

*Child Serious Illness Cover is available from £2pm per child per £25k of cover. Up to £100,000 can be selected per child.
**If they choose to add Optimiser to their plan and their premium is £45 or more for a single life or £60 for joint life, a Vitality fee of £2 per child will apply.
Vitality's adult and child Serious Illness Cover includes more conditions than any other provider. Defaqto, Feb 2021.
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