"When my daughter broke her wrist falling off her scooter, the claim was so easy. Money in our account in days — paid for the time off work and a treat to cheer her up."
Sarah M. · Manchester2 months ago
Underwritten by MetLifeFrom £6/month · just 20p a day
For every moment they need you.
One plan covers every child — get them protected in minutes.
ChildShield is a simple, fixed-price MetLife plan that pays cash straight to you if your child is hurt in an accident, breaks a bone, needs hospital treatment or is diagnosed with a serious illness — plus 24/7 access to a private GP.
4.8 from UK parents
Trusted by families across the UKApply online
Speak to a specialist30-day money-back guarantee — time to read your policy
Cover starts the moment you apply — until then, your child isn't covered.
Not sure if ChildShield fits your family? Take the 60-second Family Protection Check No medical questions No excess Fixed pricing Cash payout direct to your bank All kids covered to age 23 Unlimited claims
"Two daughters covered for £6 — same price as our coffees on a Saturday. Total peace of mind."
One plan. Every child covered.
2-minute application
You pay
£6 or £11/mo
All your children
They pay out up to
£10,000
Per serious illness
Real claim examples — paid directly to you
Broken bone*£1,200
Overnight in hospital£100 / 24h
Serious illness (e.g. cancer)£10,000
24/7 virtual GP for the familyIncluded
*Based on 2 bones broken
Cash paid within days of a successful claim
For every moment they need you
Watch the short ChildShield film from MetLife — what the cover is really for.
What happens next
From sign-up to peace of mind
1
Apply in 2 minutes
A few quick details — no medical questions, no paperwork.
2
Cover starts today
Your kids are protected the moment your plan goes live.
3
Claim by app — paid in days
Cash paid straight to your bank for accidents, illness or hospital stays.
See how it works in 30 seconds
Real scenarios, real payouts — exactly what ChildShield covers.
Cover Calculator
See exactly what your family would be covered for
Tell us about your kids — we'll show you their cover in seconds.
1
How many children?
2
2 children — same single price either way
2
What activities or sports do they do?
Pick all that apply.
3
Do any of your children have pre-existing health conditions?
Pick at least one activity above
Why parents choose ChildShield
Designed to take the stress out of the unexpected, so you can focus on your family.
One plan, every child
A single ChildShield policy covers all your children — no per-child fees, no extra paperwork.
Your claims won't raise your price
Your premium doesn't go up because you've claimed — and the cash benefit amounts are set out clearly upfront.
Covered in minutes
Apply online in minutes — no medical questions, no hidden small print.
Cash when it counts
Unlimited valid claims, paid directly to you — use them for travel, childcare, or lost income.
Worldwide virtual GP
Free 24/7 virtual GP and mental health support for the whole household — accessible anywhere in the world.
Underwritten by MetLife
Your policy is underwritten by MetLife Europe d.a.c. — one of the world's largest and most trusted insurance providers, with over 150 years of protecting families.
Read everything before you buy
Policy documents, a one-page summary, or share with someone who needs it.
One simple price. All your children covered up to age 23.
Choose the level of cover that's right for your family — every child in your household is included on a single policy.
Standard plan
£6/mo
Essential protection for everyday family life.
- Minor broken bone£100
- Major broken bone£300
- Hospitalisation per 24hrs£50
- Intensive care per 24hrs£150
- Serious illness, cancer, burns£5,000
Most popular
Plus plan
£11/mo
Doubled protection when you want extra peace of mind.
- Minor broken bone£200
- Major broken bone£600
- Hospitalisation per 24hrs£100
- Intensive care per 24hrs£300
- Serious illness, cancer, burns£10,000
Good to know: Full details of what ChildShield covers — together with any exclusions and limits — are set out clearly in the MetLife policy documents. You also get a 30-day cooling-off period from the start of your plan. Please read the policy documents before you apply.
Common questions
The quick answers most parents ask before they apply.
Are pre-existing conditions covered?
Yes — for hospital stays, pre-existing conditions are covered once you've held the plan for 12 months. And from day one you're covered for accidents, broken bones, serious illness and the 24/7 virtual GP. There are no medical questions when you apply, so your child's existing condition never stops you getting cover.
Is my child covered abroad or on holiday?
Yes. Broken bones are covered anywhere in the world, and hospital stays are covered in the UK and Europe. The 24/7 virtual GP also works worldwide — so you can speak to a UK doctor from your holiday.
Can both parents have a plan?
Yes. Each parent can hold their own plan, and each plan pays out in full on a valid claim — so one accident can mean two cash payments into the family. Many parents do exactly that to double the cover for the same children.
I already have cover through work — can I still take this out?
Yes. Cover through an employer doesn't stop you taking out a ChildShield plan, and if one parent is covered at work the other can still apply. This plan pays out on top of any critical illness or accident cover you already hold, at work or elsewhere.
Does one plan really cover ALL my children?
Yes — one plan, every child. Whether you have one child or five, everyone from birth up to their 23rd birthday is covered for the same £6 or £11 a month. There's no per-child charge, ever.
What if my child breaks a bone playing football or sport?
That's exactly what ChildShield is for. Accidents at home, at school, at the park or playing sport are all covered — a broken bone pays a cash lump sum straight into your bank account, to spend on whatever your family needs.
What's the catch at £6?
There isn't one. ChildShield is a simple, fixed-price MetLife plan — no joining fee, no per-child charge and no hidden add-ons. £6/month is the Standard plan that covers every child in your household; £11/month is the Plus plan with higher payouts. There's also a 30-day money-back period.
Is this instead of the NHS?
No — ChildShield works alongside the NHS, it doesn't replace it. The NHS treats your child; ChildShield pays you cash on top so you can cover the bits the NHS doesn't — time off work, hospital parking, food, travel, childcare for siblings or private physio to speed recovery. You also get a 24/7 virtual GP for the whole household when you can't get an NHS appointment.
Is this the same as private medical insurance?
No — it's different. Private medical insurance (PMI) pays for private treatment. ChildShield pays cash directly to you as the parent when a covered event happens. The NHS still treats your child; this money is yours to use however your family needs it most.
What can I spend the payout on?
Anything. The money is paid straight into your bank account and it's yours to use as you choose — whether that's time off work, hospital parking, food and travel, childcare for siblings, or private physio to help them recover faster.
Are there limits or excesses?
There is no excess to pay and no limit on the number of valid claims you make. Each claim is paid up to the benefit amounts shown in your MetLife Policy Booklet, and claiming does not push your price up.
Can I add a child later?
Yes. Newborns and newly eligible children (e.g. step-children or children you become legal guardian for) can be added to your existing plan — no extra premium, because one plan covers every eligible child in your household. Just contact us and we'll update the policy.
Why do parents choose ChildShield?
Because it pays cash directly to you the moment life throws something at your family — broken bones, hospital stays, serious illness — so you can focus on your child instead of the bills. It also unlocks 24/7 virtual GP appointments for your whole household, usable anywhere in the world.
How much does it cost — and can the price go up?
Plans start from £6 a month — that's just 20p a day to cover every child in your household. Your premium does not go up because you've claimed, and the cash benefit amounts are set out clearly upfront in the MetLife policy documents — no surprises.
Who can apply, and who's covered?
Any UK resident parent, step-parent, adoptive parent or legal guardian aged 18–93 can apply. The policy covers your eligible children — biological, adopted, step-children or those under your legal guardianship — up to their 23rd birthday. The policy doesn't cover you (the parent), only your child(ren).
Is there a limit on how many times I can claim?
No. There is no cap on the number of valid claims you can make in your policy year. Each claim is paid up to the benefit amounts shown in the MetLife Policy Booklet — and claiming does not push your price up.
Are there any medical questions to answer?
No medical underwriting and no health questions — anyone eligible can apply in minutes. Cover starts as soon as your plan is in place. Full details of what is and isn't covered (including how pre-existing conditions are treated) are set out clearly in the MetLife policy documents.
How are payouts made if I claim?
Cash is paid directly into your bank account on a successful claim, in line with the benefit amounts in your MetLife Policy Booklet — yours to spend on whatever your family needs most.
What about the virtual GP — how does it work?
You and your household get unlimited 24/7 access to a UK-qualified virtual GP by phone or video, with private prescriptions where appropriate. It works worldwide, so it's there for you on holiday too.
Can I change my mind?
Yes. You have a 30-day money-back guarantee from your start date — plenty of time to read your policy, talk it through with your family and make sure ChildShield is right for you. Change your mind in that window and you'll get a full refund. After that, cancellation is in line with the terms in your MetLife Policy Booklet.
How do I pay?
By Direct Debit, set up securely online during your application. You choose the collection date — anywhere from the 1st to the 28th of the month — and you're protected by the Direct Debit Guarantee.
Who actually provides the insurance?
ChildShield.co.uk (Look4Cover Ltd) is your FCA-authorised insurance intermediary — we arrange and set up the plan for you. The insurance itself is underwritten by MetLife Europe d.a.c., who issue the policy and pay any valid claims.
4.8 average rating
Loved by UK parents
Real stories from real families across the UK.
"When my daughter broke her wrist falling off her scooter, the claim was so easy. Money in our account in days — paid for the time off work and a treat to cheer her up."
Sarah M. · Manchester2 months ago
Underwritten by MetLife
Ready to protect
what matters most?
Set up cover for your whole family in under 5 minutes — or speak to a UK-based specialist who can guide you through it.
- From £6/month — all kids covered up to age 23
- Your premium doesn't rise because you've claimed
- Cash payouts direct to you
- 24/7 virtual GP, usable worldwide
Secure FCA-regulated application A MetLife product
Prefer to talk it through?
A ChildShield specialist will call you back
Leave your details and a UK-based ChildShield specialist will call you back at a time that suits you to walk you through the cover.
0330 123 5998
Mon–Fri 9am–8pm · Sat 9am–5pm
UK-based, friendly experts
Information only — we don't give financial advice
Not ready to apply?
Get the full ChildShield info pack by email
Just pop in your email — we'll send you everything you need to read through in your own time, no pressure.