Dionne with Mia and Sky

How did children’s critical illness cover help Dionne and Sky?

More often than not, if you have kids and you take out a critical illness policy, you will automatically have your children included in your cover. Dionne and Sky’s story is a real life example of how children’s critical illness cover can be a total game changer for a family during a tough time.


What is children's critical illness cover?

This is not a type of cover that you can get as a standalone policy but it is an add on to your own critical illness policy.

More often than not, children’s critical illness cover is automatically included within your policy, meaning that you won’t pay any more money but you’ll still benefit from the extra layer of security that this policy can provide.

Claiming on children’s critical illness cover

Dionne never expected her daughter Sky to be diagnosed with type 1 diabetes at the age of 8 but what shocked her more was that this meant she could claim on her critical illness cover…

Sometimes a little comment can go a long way and in Dionne’s case, this is how she found out she could claim in the first place! Talking of the conversation she was having with Robyn (one of our protection specialists) Dionne said, “It was just a random comment I threw out there about Sky being ill and the lady on the line reminded me that my policy covered my children too.”

Typically with most providers, once you have claimed on the children’s critical illness element of your policy, your own cover will not be affected in any way (kind of like two for the price of one but for your insurance).

The 4 T’s

When it comes to spotting the signs of Type 1 Diabetes in your little one, the 4 T’s are essential in helping you spot those all important signs that your child could be suffering with diabetes. The 4 T’s are:

Toilet - Is your child going to the toilet more to pass urine? This could also be recognised if they’re wetting the bed again (if they didn’t previously) or with babies look out for heavier nappies than normal. Also watch out if they are getting out of bed during the night as this could be a sign.

Thirsty - Feeling like you can never quench your thirst is a sure fire sign of Type 1 Diabetes. Watch out if your little one is asking for water more, if they are drinking their drinks faster or if they are generally drinking more.

Tired - If your child is displaying signs of being tired such as playing less often, complaining of being tired, not playing as often and less energy for the things they normally enjoy.

Thinner - Watch out for signs of your child losing weight or looking thinner than usual.

What can the pay-out be used for?

The money that children’s critical illness could provide can be used for so many different things and in Dionne’s case, she definitely got the most out of her pay-out and is the perfect example of how this cover can make all the difference during a tough time.

Dionne has split the money into three, “Of course the money always helps, a third of it has gone towards savings for the children’s future and a third of it has gone onto the mortgage - it’s really helping, especially with the cost of living at the moment.”

The rest of the money has gone towards a holiday of a lifetime, “The last year has been so tough on everyone so I have booked a once in a lifetime trip to Lapland for all of us, something I never dreamed I’d be able to do. Having this money has enabled me to do this and to give the girls a much needed and well deserved treat after such a difficult time. I am going to tell them a day before, it’s a total surprise for them! Money is always something everyone worries about but with the pay-out, it has been one less thing to worry about throughout all of this.”

Please don’t wait

Seeing how important the pay-out was for Dionne and her girls really affirms the importance of life insurance and how much it really does help when you’re going through a tough time.

Having a critical illness policy in place means that you could benefit from peace of mind, knowing if you or your little one were to be diagnosed with a critical illness, your family would remain financially stable. Click the button below to get started with your free quote and be one step closer to sorting your life insurance policy today!