The answer is yes, on the majority of critical illness plans offered childrens cover is offered. A cash lump is normally offered and this can be equal to 50% of the full sum assured, upto a maximum of £25,000 in normal circumstances.
Many of these plans include children that are legally adopted or step children. They must be between the ages of 30 days to 18 normally. The majority of the plans will pay out once per child and for a maximum of two children.
The policy will not affect the main critical illness plan you took out and this will pay out as normal should a claim be made on it.
Tags: critical illness, critical illness cover, critical illness insurance