Does a child need to be medically assessed to be covered under a parent’s policy?

No separate medical underwriting applies to the child: cover attaches automatically to the adult’s policy once it starts, within set age limits written into the wording. This means there are no health questions to answer and no premium loading for a child’s own history. The trade-off is that conditions the child had before the policy began, or that are diagnosed within an initial waiting window after it starts, are excluded from the benefit, so the absence of underwriting does not mean the absence of limits.

Why is children’s critical illness cover capped rather than paying the full adult sum assured?

The cap exists because the benefit is designed for a narrower purpose than adult cover: funding a parent to stop work for a period and meeting practical costs around a child’s treatment, not replacing an income the child does not earn. Insurers typically pay the lower of a fixed amount or a percentage of the adult’s sum assured. Legal & General, for example, pays the lower of 50 per cent of the cover amount or £25,000 per child. Other insurers set their own caps, which are worth comparing.

What should parents check in the children’s cover section before relying on it?

Check four things in the wording: the exact cap per child and how it is calculated, the age limits for when cover starts and ends, the exclusion for conditions the child had before the policy began, and whether a child’s claim affects the adult’s remaining cover. These details sit in the policy wording rather than the summary, and Legal & General’s terms show how specific they can be: a 14-day survival period after diagnosis, one claim allowed per child, and cover for up to two children.

Critical illness

Critical illness cover for children: how it works

The short answer

Most adult critical illness policies automatically include children’s cover: if your child is diagnosed with a defined condition, the policy pays a capped amount — commonly a fixed sum or a percentage of your sum assured, whichever is lower. Children are not medically underwritten, but conditions present before the policy starts are excluded.

Written by Dior Teshayev. Reviewed by Stuart Hendy.

Published 15 September 2026. Last reviewed 15 September 2026. Next review due 15 December 2026.

What to know about how children’s critical illness cover works

Children’s cover usually attaches automatically to the adult’s policy rather than needing its own application. Read more
Pay-outs are capped, often at the lower of a fixed sum or a share of the adult’s cover. Read more
Conditions present before the policy started, or diagnosed in an early waiting window, are typically excluded. Read more
A child’s claim does not normally reduce the amount of cover remaining on the adult’s policy. Read more

Thinking about how children’s critical illness cover works

What works well

No separate application or medical questions for the child.
A child claim does not normally spend the adult’s cover.
The benefit funds a parent stopping work and practical costs.

What to watch

Caps and age limits differ between insurers.
Pre-existing conditions are excluded.
The benefit ends when the child passes the age limit.

Automatic cover, capped amounts, written limits

Children’s cover is usually an included benefit rather than a separate policy: it attaches to the adult’s cover, applies within set age limits — typically from shortly after birth to age 18 or 21, sometimes longer in full-time education — and pays a capped amount per child, commonly a fixed sum or a quarter to a half of the adult sum assured, whichever is lower. The cap exists because the benefit is designed to fund a parent stopping work and the practical costs around a child’s treatment, not to replace an income the child does not yet have. The exclusions matter as much as the cap: conditions the child had before the policy started, or was diagnosed with in an initial waiting window, are typically excluded; and a child claim does not normally reduce the adult’s remaining cover. Legal & General’s published terms, for example, include children’s cover automatically from 30 days old to the 18th birthday (21st in full-time education), pay the lower of 50 per cent of the cover amount or £25,000, require the child to survive 14 days after diagnosis, allow one claim per child for up to two children, and leave the adult’s cover unaffected — and other insurers publish their own terms in the policy wording, worth comparing line by line.

Ask each insurer for the children’s cover section of the wording: the cap, the age limits, the exclusions for pre-existing conditions, and whether a child claim reduces the adult’s cover. Whatever the specifics of how children’s critical illness cover works, the discipline that protects you is always the same: get the insurer’s position in writing, keep the documents with the policy, and make sure the people who would help you claim know the policy exists and where the paperwork lives.

Related guides

Common questions

Does a child need to be medically assessed to be covered under a parent’s policy?: No separate medical underwriting applies to the child: cover attaches automatically to the adult’s policy once it starts, within set age limits written into the wording. This means there are no health questions to answer and no premium loading for a child’s own history. The trade-off is that conditions the child had before the policy began, or that are diagnosed within an initial waiting window after it starts, are excluded from the benefit, so the absence of underwriting does not mean the absence of limits.
Why is children’s critical illness cover capped rather than paying the full adult sum assured?: The cap exists because the benefit is designed for a narrower purpose than adult cover: funding a parent to stop work for a period and meeting practical costs around a child’s treatment, not replacing an income the child does not earn. Insurers typically pay the lower of a fixed amount or a percentage of the adult’s sum assured. Legal & General, for example, pays the lower of 50 per cent of the cover amount or £25,000 per child.^[1] Other insurers set their own caps, which are worth comparing.
What should parents check in the children’s cover section before relying on it?: Check four things in the wording: the exact cap per child and how it is calculated, the age limits for when cover starts and ends, the exclusion for conditions the child had before the policy began, and whether a child’s claim affects the adult’s remaining cover. These details sit in the policy wording rather than the summary, and Legal & General’s terms show how specific they can be: a 14-day survival period after diagnosis, one claim allowed per child, and cover for up to two children.^[1]

Sources

Legal & General. Children's Critical Illness Cover — additional benefits. Accessed 15 September 2026 (primary source)