The details we compare
| Detail | What we check |
|---|---|
| Who is covered | Which children qualify, when cover starts and when it ends. |
| When it pays | Covered definitions, exclusions, relevant pre-existing conditions and any survival period. |
| How much it pays | Payment limits, links to adult cover and the rules for additional or multiple claims. |
| What happens afterwards | Whether a child’s claim affects adult cover, and what happens if the adult policy ends. |
Included cover and optional cover can differ
For example, Guardian’s Combined Life and Critical Illness Essentials includes children’s critical illness cover. Guardian also offers optional Children’s Critical Illness Protection.
These are different benefits. The amount of cover, covered conditions and relationship with the adult policy need to be checked for the exact product selected. An optional benefit should not be assumed to work in the same way as the included cover.
Choose around your family’s needs
We help you consider the financial flexibility you would want if your child became seriously ill. That includes the effect of time away from work, ongoing household spending and the support you already have.
We then explain relevant options and their cost alongside the rest of your protection.
A diagnosis must meet the policy terms
Children’s critical illness cover does not pay for every illness. A claim must meet a covered definition and the other requirements of the policy.