Personal Protection

Child Serious Illness Cover

Why Child Serious Illness Cover?

Our market-leading¹ Child Serious Illness Cover 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 the 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.

Cover that's more likely to payout

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

Select between £15,000 to £100,000 of cover to suit your needs.
Hospitalisation benefit

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

Both levels of cover automatically include cover for Total Permanent Disability which has been tailored 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

Child Serious Illness Cover Guide

Child Serious Illness Cover E-template

Serious Illness Cover Guide

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

The 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.

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.

Find out more

Casper's Serious Illness Cover Claim.

We know that life isn’t predictable. That’s why it’s important to protect what’s most important to your clients – their family.

Emma and Nick’s world was turned upside down when their five-month-old son Casper was diagnosed with a rare form of cancer - luckily they had VitalityLife insurance with Child Serious Illness Cover.

Watch Casper's story

Child Serious Illness Cover FAQs.

What is the minimum and maximum age at entry for Child Serious Illness Cover?

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.

What is the maximum sum assured for Child Serious Illness Cover?

Maximum total amount of benefit we will pay for each named child under this cover over the term of the plan is £100,000.

What is the maximum cease age for Child Serious Illness Cover?

First plan anniversary after their 18th birthday (23rd birthday if they are in full-time education).

Why does Child Serious Illness Cover include cover for 138 and 167 conditions instead of the usual 153 and 182 conditions available on the adult plan?

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.

How many unique conditions do we cover under Child Serious Illness Cover?

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

Does adult Serious Illness Cover need to be selected in order to take out Child Serious Illness Cover?

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.

¹Vitality's adult and child Serious Illness Cover includes more conditions than any other provider. Defaqto, Feb 2021.

Where to next?

Serious Illness Cover

Our award-winning Serious Illness Cover.

Learn More
Additional Cover

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

Learn More
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.

Learn More

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