Why Zurich children's cover?

Children’s cover provides financial support for your customers if any of their children are diagnosed with a critical illness or pass away. We offer two levels of cover - children’s cover and children’s enhanced cover - as well as additional tailored protection for those planning to add to their family in the future - pregnancy and early childhood cover. They can select any amount of cover between £10,000 - £100,000 and this amount will remain level for the duration of the policy, no matter the structure chosen for the adult cover.

Our children’s cover provides you with the ability to craft different solutions for your customers based on their needs, their budget and whether or not they’re planning to start or add to their family.

Children's cover

For customers with children, who are not planning on having any further children and want our standard comprehensive children’s cover.

Benefits included:

Critical Illness cover for 41 conditions, which pay out the chosen cover amount.
Children’s hospital stay benefit (after the 37th week of pregnancy) – payment of £50 a night for each night from the 7th consecutive night in hospital up to a maximum of 30 nights.
Children’s death benefit – payment of £5,000 if a child dies from 30 days old to their 22nd birthday.

Children's enhanced cover

For customers with children, who are not planning on having any further children and want our broadest range of children’s cover, which includes conditions that are typically diagnosed in later childhood.

Benefits included:

Critical Illness cover for 85 conditions and child permanent dependence cover. All pay out the chosen cover amount.
Children’s hospital stay benefit (after the 37th week of pregnancy) – payment of £50 a night for each night from the 7th consecutive night in hospital up to a maximum of 30 nights.
Children’s death benefit – payment of £5,000 if a child dies from 30 days old to their 22nd birthday.

Pregnancy and early childhood cover

For customers who are pregnant or planning to have children in the future. Pregnancy and early childhood cover is only available in addition to either children’s cover or children’s enhanced cover.

Benefits included:

Children's Critical Illness cover for 10 children's specific conditions, which pay out the chosen cover amount.
Children's birth defects cover - payment of £5,000 if a child is born with 1 of 4 specified birth defects.
Specified complications of pregnancy - payment of £5,000 if your customer or their partner suffers from 1 of 6 pregnancy complications.
Children’s enhanced death benefit - payment of £5,000 if a child dies between birth and 30 days old, including stillbirth after the 24th week of pregnancy.
Premature birth hospital stay benefit (before the 37th week of pregnancy) - payment of £50 a night from the 7th consecutive night in hospital for up to a maximum of 30 nights.