Critical Illness

Essential Child Plus

Dedicated critical illness coverage designed for children.

Essential Child Plus protects your child during their most vulnerable years with coverage for 10 juvenile conditions — and automatically converts to adult coverage later, without medical underwriting.

ℹ️ This is a rider that attaches to a base plan such as PRUWith You Plus. Speak to Annabel to find the right combination for your needs.
Why this plan

Key Benefits

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Juvenile Conditions

Covers 10 child-specific critical conditions during the years that matter most.

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Auto-Conversion

Automatically converts to Critical Care Plus in adulthood — no medical underwriting, no re-application.

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Early Protection, Lower Cost

Locking in coverage early means protection through childhood and guaranteed insurability later.

Plan Highlights

  • 10 juvenile critical illness conditions
  • Auto-converts to Critical Care Plus without underwriting
  • Guarantees your child's future insurability

Who is this for?

👤 New parents
👤 Expecting parents
👤 Parents wanting to start protection early
Good to know

Frequently Asked Questions

Childhood conditions can mean long treatment and a parent leaving work to caregive. A lump sum eases the financial strain — and early coverage guarantees insurability regardless of what health develops later.
The rider automatically converts to Critical Care Plus (80 adult conditions plus ICU and reconstructive benefits) without medical underwriting.
It attaches to a base plan covering your child — Annabel can structure this alongside PRUMy Child Plus for complete child protection.

Product information is a summary for reference only. Benefits, terms and conditions are governed by the policy document. Ask Annabel for the full product disclosure sheet and a personal illustration.

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