Your car is insured. Your phone is insured. But if your child broke a bone tomorrow, would anything pay you — for the time off work, the hospital trips, the disruption? Now it can.
Apply online — takes about 4 minutesCover for accidents starts immediately. All your children under one policy — including stepchildren and children living elsewhere.
Their umbrella for everything
However many children you have — one policy, one monthly fee, all of them covered. Plus pays double the benefit for less than double the price.
"A tackle at Sunday football, one broken arm. The payout covered the two days I took off work for A&E and the fracture clinic — and a new pair of boots for when the cast came off."
"When our daughter was admitted, money was the last thing we wanted to think about. Hospital parking, meals, my partner off work — the daily hospital benefit quietly took care of it all."
"The diagnosis changed everything overnight. The lump sum meant I could drop to part-time for six months while we learned to manage it as a family, without panicking about the mortgage."
Illustrative examples based on the policy benefit schedule, shown to demonstrate how benefits can be used. Benefit amounts shown are for the Plus level of cover. Claims are assessed against the policy terms and conditions.
We're whole-of-market advisers, so before we talk about ChildShield, here's the full picture. There are three routes to protecting your children financially — and the right one depends on your family. We'll always help you choose.
Most insurers — Aviva, Legal & General, Zurich, Royal London and others — let you add children's critical illness cover onto a policy you take out for yourself. Often excellent value if you're already covering your own life or income.
Adult accident and hospital cover with children added on. Covers broken bones and hospital stays with no health questions — but the children's element rides on an adult policy you hold.
One product covers your children on their own — no policy needed for you. It's the only standalone child protection policy in the UK market, and the gap most families never knew existed. That's ChildShield, and it's what this page is about.
Not sure which route fits your family? Our free protection review will look at what you already have and tell you honestly — and our free parent webinars walk through all three options in detail.
No limit on claims, no limit on children, and making a claim never increases your premium.
| Insured event | Standard — £6/mo | Plus — £11/mo |
|---|---|---|
| Major broken bone (leg, arm, hip, back, neck & more) | £300 | £600 |
| Minor broken bone (facial, ear, other specified) | £100 | £200 |
| Hospital stay — per 24 hours (UK, non-ICU) | £50 | £100 |
| Hospital stay — per 24 hours in ICU | £150 | £300 |
| Cancer (as defined in the policy) | £5,000 | £10,000 |
| Bacterial meningitis | £5,000 | £10,000 |
| Type 1 diabetes (insulin-dependent) | £5,000 | £10,000 |
| Benign brain tumour (with specified deficit) | £5,000 | £10,000 |
| Paralysis / loss of use of limb | £5,000 | £10,000 |
| Specified serious burns | £5,000 | £10,000 |
| Rheumatic fever | £5,000 | £10,000 |
Included at no extra cost: 24/7 virtual GP appointments for the whole family (GP24, provided by HealthHero) and the Wellbeing Support Centre (Health Assured) — counsellors, nurses and legal advisers on hand. Hospitalisation for illness is covered once the policy has been held for 12 months; serious conditions are subject to a 90-day waiting period. See the Policy Summary below for full details and exclusions.
No health questions · every child on one policy · accident cover from day one
No health questions. No paperwork. Your application is reviewed and placed by our FCA-regulated adviser team, and we'll confirm everything by email.
One of our advisers will review your application and be in touch within 1 working day. You'll receive an email confirmation with your policy documents shortly.
You've protected your children — now make sure the rest of your cover is doing its job. It's free, whole-of-market, and there's no obligation.
Every insurance policy has exclusions. We'd rather you knew them before you buy than after you claim.
We're whole-of-market advisers. Send us the details of any cover you already have and we'll produce a written protection review — what's covered, what's missing, and what it should cost. No charge, no obligation, no pressure.
Important information. ChildShield is provided by MetLife Europe d.a.c., trading as MetLife, authorised and regulated by the Central Bank of Ireland and subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Financial Expert Independent is a whole-of-market insurance intermediary authorised and regulated by the Financial Conduct Authority. We may receive commission from product providers; this does not affect the premium you pay.
The information on this page is a summary only and does not constitute personal financial advice. Full details of the cover, definitions, exclusions and waiting periods are set out in the Policy Summary and Policy Terms & Conditions, which you should read before applying. Benefits are free from UK income tax and capital gains tax; tax treatment depends on individual circumstances and may change. If you are not satisfied with our service you may refer your complaint to the Financial Ombudsman Service. Your policy may be protected by the Financial Services Compensation Scheme (FSCS).
