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Children's Critical illness protection
Optional

Children's Critical illness protection

Reasons to recommend

  • Crystal clear definitions
  • Higher cover amounts
  • Add to stand-alone Life Protection
  • Immediate Cover
  • Can be added to any adult policy – anytime
  • Cover upgrade promise
  • Cover to age 23
OPTIONAL CHILDREN’S CRITICAL ILLNESS PROTECTION

Whether you recommend our combined cover or our stand-alone covers, you can add Children’s Critical Illness Protection into the mix when required.

Unlike other providers, we don’t automatically include a limited amount with adult critical illness cover. Instead, you can add our Children’s Critical Illness Protection to any adult cover, at any time. And you can select any amount between £10,000 and £100,000, limited to the parents’ amount of cover.

Basis

An optional addition to core cover

Premiums

Guaranteed

Payouts

Lump sum

Type of cover

Level Cover or Increasing Cover

Definitions designed to pay
Definitions designed to pay

Our focus is on providing the best possible cover for the most common illnesses and we never apply general exclusions. We aim to make our definitions clearer and more all-encompassing than the rest of the market. And, in many cases, the word of a UK Consultant is all we need to pay out.

Cover upgrade promise
Cover upgrade promise

We believe existing customers should be treated as well as new ones. If our critical illness definitions improve, we check any claim against both the definitions they bought, and the definitions for new customers. And, for most conditions, we pay out if the claim is valid under either.

Occasionally, we may introduce changes that we won’t automatically upgrade. If this happens, we offer existing customers the chance to pay to add them.

FAIRER APPROACH
FAIRER APPROACH

Many providers don’t offer policyholders a choice – they automatically include children’s critical illness cover (usually £25,000) within an adult policy. The costs are included in the adult premium, so people pay for children’s cover whether they want it or not. At Guardian, we take a fairer approach. Our Children’s Critical Illness Protection is an optional extra, so your clients only pay for it if they want it.

ADD TO ANY ADULT POLICY - ANYTIME
ADD TO ANY ADULT POLICY - ANYTIME

Children’s Critical Illness Protection is an optional extra and you can add it to a parent’s Life Protection, Critical Illness Protection or Combined Life and Critical Illness Protection at anytime. It covers all natural, step or adopted children and those for whom the parent has parental responsibility or is a legal guardian. And they’re covered from birth to age 23.

Higher cover amounts
Higher cover amounts

Typically, children’s cover is limited to £25,000 because providers automatically include it in the adult cover. But, because we offer Children’s Critical Illness Protection as an optional extra, you can select any amount of cover between £10,000 and £100,000, limited to the parent’s sum assured. What’s more, if the parent has Increasing Cover, we’ll apply it to the children’s cover too.

Immediate cover
Immediate cover

If your clients’ cover can’t start right away, we may put Immediate Cover in place for them. This is temporary cover, of the same type you’ve applied for, and it starts as soon as you submit the application online to make sure there are no gaps in your clients’ protection.

Additional SERVICES include:

We don’t have a set list of additional services when people claim. Our approach is much more personal, and we call it HALO. Our claims specialists listen to each claimant’s concerns, identify the exact help they need, and through our network of medical and legal experts, make it happen. It’s an extraordinary service, because there’s no such thing as an ordinary claim.

We’re not just here for policyholders when they need to claim. All our customers get free additional benefits – anytime. This currently includes 24/7 GP consultations over the phone from anywhere in the world and UK-based face-to-face second medical opinions.

REASONS TO RECOMMEND

No.1

DUAL LIFE
APPROACH

CHILDREN’S CRITICAL ILLNESS PROTECTION

EVERY CHILD
DESERVES BETTER