What Is Children’s Critical Illness Cover? A Simple Guide

Children’s critical illness cover provides a tax-free lump sum if your child is diagnosed with a serious illness listed in your policy, aiding with costs like treatment or time off work. In 2023, UK insurers paid £255 million in critical illness claims, including children’s benefits Legal & General, 2025. Spirit Cover includes this as a standard feature, no additional application needed.

How It Works

  • Age Range: Covers children from 30 days to 18 (or 21 if in full-time education) - a common UK standard Aviva, 2022.
  • Payout Limit: Up to £25,000 or 50% of your cover amount, whichever is lower, based on industry norms Forbes Advisor UK, 2024.
  • Conditions: Matches your policy’s list - e.g., cancer or heart conditions - confirmed by a UK specialist.

Spirit’s Offer

Spirit Cover automatically includes this benefit, with extras like GP 24/7 available to family members. Payouts require meeting policy terms, such as a survival period, and are separate from your main cover.

Key Points

  • Doesn’t affect your primary payout - it’s an additional benefit.
  • Excludes pre-existing conditions declared at application.
  • Typically limited to one claim per child - check Spirit’s terms.

Why Consider It?

Serious childhood illnesses are rare but impactful - having support can ease the burden. Ask your Spirit adviser for full details on our coverage.

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