Childrens Critical Illness Cover
No one likes to think about their child becoming seriously ill—but being prepared for the unexpected is one of the most powerful things a parent can do. Children’s critical illness cover provides financial support if your child is diagnosed with a serious illness, helping to ease the pressure during a very difficult time. At Mortgage HQ, we help families in Plymouth, South Hams and throught the UK find the right cover to protect their loved ones when it matters most.
What is Children’s Critical Illness Cover?
Children’s critical illness cover pays out a tax-free lump sum if your child is diagnosed with a serious condition listed in the policy. The idea isn’t to dwell on worst-case scenarios—it’s about giving your family the freedom to focus on what’s important if something does go wrong.
You can use the payout to:
✔️ Take time off work to care for your child.
✔️ Cover travel or accommodation costs for treatment.
✔️ Pay for therapies or specialist care.
✔️ Simply reduce financial stress so you can be fully present with your child.
In many cases, this cover is added as part of an adult’s critical illness policy, but it can also be taken as a standalone option with certain providers.
What Does It Typically Cover?
Each insurer has their own list of conditions, but many policies will include:
Cancer (including many childhood cancers)
Heart conditions and open-heart surgery
Brain tumours
Organ failure or transplant
Severe burns
Loss of limbs or sight
Most policies also cover permanent disabilities caused by illness or accident.
Do You Need Children’s Critical Illness Cover with a Mortgage?
You don’t need this type of cover to get a mortgage—it’s entirely optional. But if you’re buying your first home or moving into a bigger place to raise your family, now is a good time to consider what protection you might want in place.
Even if you’re financially secure, the emotional toll of a child’s illness can be overwhelming. Having critical illness cover for your children offers breathing room when life takes a difficult turn.
Why Choose Mortgage HQ for Children’s Critical Illness Cover?
At Mortgage HQ, we’re not just here to help with your mortgage—we’re here to help protect what matters most.
✅ Friendly, Straightforward Advice
We take the time to explain how children’s critical illness cover works, what’s included, and what options are available for your family.
✅ We Compare the Best Policies
We work with top UK insurers to find the most suitable cover at the best value, tailored to your needs.
✅ Part of a Bigger Picture
If you’re arranging a mortgage or reviewing your family finances, we can help you build a protection plan that fits your situation—not just now, but for the long term.
✅ Local and Here for You
Based in Plymouth, we offer personal, face-to-face support, and we’re always just a call away when you need help or have questions.
Get Peace of Mind with Children’s Critical Illness Cover in Plymouth
You can’t predict the future—but you can plan for it. If you’re looking for children’s critical illness cover in Plymouth, let Mortgage HQ help you find the right policy for your family.
Get in contact with us using the contact form on the bottom of this page.
When your child needs you most, the last thing you want to worry about is money. Let us help you put the right protection in place.