children's illness insuranceChildren, as those who have any sort of contact with them, invoke strong emotional responses in us at the best of times. However, when they get ill it just seems all wrong!

They do not even have to be your own as many teachers, nurses and childminders will tell you. In many instances we would raid our savings, sell the house or even resort to crime to see our children healthy.

Fortunately we don’t need to, you can buy children’s Children’s Serious Illness cover for under £20.00 per month but the best way to get some is to take it in conjunction with your own life insurance cover where so great deals exist.

Children’s Serious Illness Insurance – Things to check for

  • Treatment can be either in-patient day patient and out patient check to see all are covered, it should be standard.
  • Does the policy specify a hospital and if it does are they “quality-assessed hospitals”
  • Most policies will provide cover for under 16’s if they have to stay overnight, check to see that the over allows for you to stay with them.

Children’s Serious Illness Cover

The cost of children’s serious illness insurance is low because fortunately the incidence of serious illness of children is relatively small. For serious illnesses like cancer in children the survival rate after 10 years is 76% and the rate is increasing yearly.

Typically your children would be covered for a majority of the may be covered for the serious illnesses specified on your policy but there may well be other child-related illnesses included in the cover such as meningitis.

The maximum payout for a children’s claim is usually no more than 50% of your cover but policies differ.

Children’s Serious Illness Indicators

When you look after children you get to know them and quickly recognise any changes however subtle.

These changes can be in activity, appetite, mood or behaviour and can be indicators that your child is developing an illness. If you are worried about your child then seek medical advice as soon as possible. However there are some general features that might indicate that the illness is potentially more serious.
Indicators can be as follows:

  • Alertness
  • Irritable behaviour
  • Breathing
  • Changing skin colour or appearance of the skin
  • The amount of fluid your child is taking in or passing.

If your child is very young then you should seek a doctor urgently.


TO GET HELP IN THE UK Dial 999 immediately and ask for an ambulance.


If your child is unwell they often become less active will sleep more or appear drowsy.

There is something seriously abnormal if the child is floppy or has your week cry. They may be irritable or not respond to things around them. If this is the case seek a doctor urgently.


Breathing or noisy breathing is obvious a good indicator that something is seriously wrong. If there is a dusky colour around the lips then call and ambulance immediately.

Skin Colour

If your child has pale skin or has a purple mottling of the skin at the extremities seek medical advice

Many rashes can be caused by minor infections or allergies however, if your child has a rash that does not fade when pressure is applied it may be meningococcal infection or meningitis Press a glass on the skin and if when looking through the glass the colour is unaffected seek immediate advice.  The colour should fade when you press the glass to the skin.

NHS meningitis advice.


If your child drinks less than half the normal amount or is not passing urine you should see a doctor to check to see if he is becoming dehydrated.

Serious problems may be indicated by vomiting with blood or green fluid (bile).

If any or bowel motions have blood or are very dark in colour. You should see a doctor urgently.

Potentially serious problems include severe pain or distress, rash and seizures (fits).


Fever itself is not harmful. The infection causing the fever is often viral and needs rest and fluids, but sometimes it is bacterial and may need need antibiotics.

If a baby has a fever over 38 degrees C get immediate medical help, it may indicate hidden problems.


You know your child best.

If you are worried about a child in your care, see a doctor.