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Bump & Children’s Cover
Building a Safety Net for Your Growing Family
From the exact moment that pregnancy test shows a positive, an overwhelming determination kicks in to protect your baby at all costs. We understand that protective instinct completely.
While we always hope for the absolute best, the reality is that illnesses or unexpected pregnancy complications can sometimes affect your family, no matter how careful you are. Bump & Children's Cover is a specialized Critical Illness insurance designed for children, babies (from 24 weeks gestation), and mums facing pregnancy complications.
Having this financial safety net in place means that if the unexpected happens, you don't have to choose between working to pay the bills and being right by your child's side. It gives you the freedom, time, and breathing space to focus entirely on what matters most: your family's health.
Children’s Critical Illness Cover
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Compassionate Support: If an illness sadly becomes terminal, many providers include Terminal Illness cover for children, paying out a lump sum in the region of £5,000 to assist with funeral costs and unexpected expenses during an incredibly difficult time.
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Hospital Stay Benefit: If your child has to be hospitalized for more than 7 consecutive days, select providers will pay a daily amount for every night after this initial period (for up to 30 days) to help cover your family accommodation, travel, and food costs.
Comprehensive Protection Throughout Their Childhood
Depending on the policy, your children can be protected from birth right up until their 21st birthday (and in some cases, up to age 23). If your child is diagnosed with a serious condition, the policy pays out a tax-free lump sum—usually up to 50% of the value of your own adult policy.
Quick Summary of Benefits:
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Over 40 Medical Conditions Covered: Comprehensive peace of mind for the big things.
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Generous Payouts: Receive a lump sum up to 50% of the parents' policy value.
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Long-Term Safety Net: Continuous protection until they are 21 (or 23) years old.
Aorta graft surgery
Aplastic anaemia
Bacterial meningitis
Benign brain tumour
Blindness
Cancer
Cardiac Arrest
Cardiomyopathy
Coma (with associated permanent symptoms)
Coronary artery by-pass grafts
Creutzfeldt-Jakob disease (CJD)
Deafness
Dementia including Alzheimer’s disease
Encephalitis
Heart attack
Heart valve replacement or repair with surgery
HIV infection
Kidney failure
Liver failure
Loss of hand or foot
Loss of speech
Major organ transplant
Motor neurone disease
Multiple sclerosis
Multiple system atrophy
Open heart surgery
Paralysis of limb
Parkinson's disease
Primary pulmonary hypertension
Progressive supranuclear palsy
Removal of an eyeball
Respiratory failure
Spinal stroke
Stroke
Systemic lupus erythematosus
Third degree burns
Traumatic brain injury
Bump Cover - Pregnancy Complications
Protecting Your "Bump" From 24 Weeks
Your family bubble starts long before your baby arrives. Many top insurance providers offer specific "Bump Cover" starting from your 24th week of pregnancy. If you experience specific complications, the policy can trigger a vital payout of between £5,000 and £10,000 to support you.
Here are the primary pregnancy complications that can be claimed for:
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eclampsia (but excluding pre-eclampsia)
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ectopic pregnancy with surgery to remove a fallopian tube
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placental abruption (but excluding placenta praevia)
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foetal death in utero after at least 20 weeks gestation
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new-born intensive care - +37 weeks gestation requiring 24/7 tracheal intubation between birth date and 90 days
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still birth (excluding elective pregnancy termination) after at least 24 weeks gestation
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disseminated intravascular coagulation (DIC)
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hydatidiform mole
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birth defects e.g. cleft lip/palate, club foot etc.​
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Extra Family Care When You Need It Most
Beyond the financial payout, many of our providers wrap your family in extra emotional and practical support if a child becomes critically ill. This can include access to specialist children’s nurses, childcare benefits, professional counseling, play therapy, emotional support, family accommodation, and hands-on domestic help for your home—all designed to lift the weight off your shoulders.
