How would your family cope financially if your child had to spend time in hospital? Q&A with a child insurance expert.

[EllieSmumsnet]

If your child breaks a bone, or has to stay overnight at a hospital there are a number of unexpected costs that might pile on the stress, from long parking fees to hospital food, travel or even additional childcare. But how would that impact your household income? Would you be covered by your employer or would you need to rely on savings or other support? We know this is a scary thing to think about but child protection insurance like ChildShield by MetLife is designed to offer peace of mind by helping cover costs when you need it most.

We’re joined by Phil Jeynes, Head of Individual Protection at MetLife, for a Q&A on child insurance. Whether you're unsure how it works, what it covers, or if it’s right for your family, we want to hear your questions. Phil will be back over the next few weeks to respond to some of your queries.

If you would like to get financial advice on any of the issues raised here, please speak to your own financial adviser, or find one at unbiased.co.uk.

• Ask your questions below by 11/06/2025 to be entered into our prize draw for the chance to win a £200 voucher of your choice.
• Phil Jeynes will be back soon to answer some of your questions.

Thanks and good luck!
MNHQ

Insight Terms and Conditions apply

Thanks for responding but I understood this - I was comparing. Truthfully, this cover is effectively pointless. My child is on my policy, which has much larger limits with zero exclusions. As an example, if my child breaks their leg, we can claim for private treatment, in-hospital stay, follow up appointments with specialist as needed, and physio for recovery.

With your cover, £600 maximum plus £100 per night stay. Far below the actual cost of anything, and not really easing financial pressure.

I fully understand I’m not the target parent but for not much more than your £11/month, the coverage I’ve got my child as an add-on too (see above) is worth so much more, and is equally as accessible to others. It’s good to have competition but I fear this falls far short of expectations.

f your child had to spend time in hospital, having child health or critical illness insurance could help cover extra costs like lost income, travel, and accommodation so you can focus on your child, not your finances😊

What are the top 5 reasons for claims being rejected?

Congratulations @Girlygal you are the winner of the £200 voucher!

Thank you for choosing me!

congrats !!!