Alan Lakey: The value of congenital condition cover for children

In recent years claims for children's critical illness have been rising steadily. One reason is the greater proliferation of adult conditions which many plans also include for children. The other relates to the inclusion of child-specific conditions, most of these being congenital. With insurers moving across to both optional and enhanced child cover, it is an area that creates confusion with the potential for inferior advice. The inclusion of congenital conditions for children is a fairly recent step. Friends Life was the progenitor when it introduced cystic fibrosis, cerebral palsy,...