Child Critical Illness Protection it’s now commonplace for parents to have arranged enough life assurance like whole life (or endowments) insurance to cover for themselves, but there's another benefit to critical illness cover of insurers may include children's cover. Children can be included within a critical illness policy that is taken out by either parent, offering the same level of protection against critical illnesses as long as they have no previous medical issues such as birth defects that affect the heart or the major organs for example.
What type of critical illnesses are covered:-Cancer ,Deafness, Cardio Myopathy, Heart attack, Heart Valve Replacement, Creutzfeldt Jakob Disease, Coronary Artery Bypass, Loss of Limb, Hodgkins Disease, Kidney Failure, Loss of speech, Liver Failure, Major Organ Transplant, Motor Neurone Disease, Loss of independent Existence, Multiple Sclerosis, Paralysis/Paraplegia, Open Heart Surgery, Stroke, Parkinsons Disease, Pre-Senile Dementia, Aorta Graft Surgery, Terminal Illness, Severe Lung Disease, Benign Brain Tumour, Third Degree Burns, Permanent Total Disability, Blindness, Aplastic, Anaemia, Bacterial Meningitis, Coma.For the majority of parents; opting to place their little ones on their critical illness insurance policies can often be completely free of any extra charge because the chances of a normal healthy child being diagnosed with a critical illness are very, very rare.
Understanding this and the low risk that children pose, many critical illness protection providers such as the experts here at Critical Illness Insurance are happy to provide additional cover for your children at no extra cost to you.
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