Make a claim on Children’s Cover
If your child is critically ill you'll want to focus everything you have on them, so we'll aim to make the process as quick, caring and compassionate as possible.
How do I know if I have Children's Cover?
Children's Cover may be included within your policy or may have been selected as an additional benefit. This provides cover if your child is diagnosed with one of the conditions listed in your policy, some policies may also include additional cover for hospital stays, pregnancy complications or death cover. Your policy documents will confirm if you have this benefit, as well as include the list of conditions covered and any eligibility criteria that may apply, for instance the age and definition of a child covered by the policy.
Before you make a claim check the policy terms and conditions to confirm whether your child's condition is covered.
Letting us know about your claim
The quickest and easiest way to notify your claim is via our online claims form.
Before you get started it’s helpful to have the following information to hand which you’ll need to complete the form.
- Your policy schedule (this will explain which benefits you're covered for)
- Your policy number
- Details of the benefit you’re claiming for
You can find more detail below about the different information we’ll need based on the different types of benefits you might be claiming for in our FAQ section.
If your policy starts with PR
- 0370 240 0073 (Between 9:00am and 5:00pm Monday to Friday, excluding bank holidays)
If your policy doesn’t start with PR
- 0370 243 0827 (Between 8:30am and 5:30pm Monday to Friday, excluding bank holidays)
Don't know your policy number?
If you're not sure what the policy number is, don't worry. Just call us on 0370 333 1500 and we'll be happy to help. We're open 9.00am - 5.00pm Monday to Friday, excluding bank holidays.
If you're dialling from outside the UK it's +44 1793 511 227.
Just so you know, we may record or monitor calls to and from our team for training and quality purposes.
Frequently asked questions
If you’ve got questions, we’ve got answers. Check out our range FAQ’s from claimants just like you.
We’ll generally need to obtain medical information to support your claim from your child’s GP, consultant or treating medical professional(s) and we'll ask for yours or your child's consent to do this.
To help gets things moving please send us copies of any medical reports, diagnostic test results, along with in or out-patient assessments etc. The quicker we can get this information, the faster we can assess your claim and pay your benefit.
We’ll need the original birth and death certificate or coroner’s interim report, along with some information around the circumstances. To help us fully assess your claim we’ll need to ask you for consent to approach your child’s GP, consultant or medical professional.
We know this will be incredibly hard and there may be times when you’re simply not up to speaking about it. That’s completely understandable.
To make things a little easier, you can always send us details of your claim online.
Whatever you need, we’ll be on hand to support you, every step of the way.
We’ll need a copy of your child’s inpatient hospital admission and discharge papers.
We’ll also need to ask your consent for access to medical records for your child to enable us to contact their GP, hospital or treating consultant for any medical information needed to support the claim.
Timescales can vary depending on the different type of claim you’re making, especially if we’re dependent on 3rd parties such as your GP or medical professional for information needed to assess your claim.
The more information we have upfront, the faster we can assess your claim, so making sure you provide as much detail as early on as possible, the better.
No, you’ll need to maintain your regular premiums as normal.
Children's Cover is an additional benefit, so your policy will not stop as long as you continue to pay your premiums. Your child may not be covered for any further claims so you should check your policy documents to see if your child is still covered.
Coming to terms with a diagnosis or a bereavement is hard but it’s even harder when it’s your child. If you need support, we offer a range of targeted services designed to help you and your family, from counselling to advice and so much more besides. Take a look at Zurich Support Services.
It’s free and completely confidential, available 365 days a year, 24 hours a day. To find out more simply download our brochure.
This service is provided free and completely confidential, available 365 days a year, 24 hours a day. To find out more simply download our brochure.
If your policy begins PR you can write to us at: Zurich Assurance, Protection Operations, PO Box 4157, Swindon, SN4 4QB.
If your policy doesn't begin PR, please use this address instead to make sure we get your correspondence to the right place, first time. Zurich Assurance - InForce Claims, Unity Place, 1 Carfax Close, Swindon, SN1 1AP.
We’re committed to providing you with the highest possible level of service. If you feel we've not delivered this, let us know so we can act quickly to put things right. To do this, please complete our online complaint form. If the policy number starts with 'PR' please use the life protection online complaint form.
If you need any further help please visit:
Zurich Support Services
We’re here for you 24/7 and provide easy access to free, confidential support whenever you need it.
From legal guidance to money worries and emotional support it’s all part of the service.
*Calls to and from our team may be recorded or monitored for quality and training purposes.
Data protection
Your privacy is important to us. You can view our Fair Processing Notice here which explains everything you need to know, or if you'd like to understand more about how we use and process your data take a look at our data protection leaflet: