🛡️ Instant Cover for ALL Your Children - Just £6 p/m
Affordable accident and sickness protection that pays cash directly to you if your child is ill, injured, or needs a hospital stay - so you can focus on care, not costs! When your child needs you most, we help you focus on what really matters - them!
When life takes an unexpected turn, ChildShield is there to help!
No matter how careful we are, life with children is full of surprises — the playground falls, the weekend football tackles, the sudden illnesses that turn everything upside down. When something happens, the last thing any parent wants to think about is money.
That’s where MetLife ChildShield makes a difference. It gives you cash directly, fast — so you can take time off work, pay for parking at the hospital, or simply focus on your child’s recovery without the extra stress.  There are no limits on the number of children you can cover and no cap on how many times you can claim.  Every plan includes 24/7 access to a UK-based GP, plus wellbeing support for the whole family.
Just ÂŁ6 per month covers all children in the household under one plan, and brings real financial breathing room when you need it most.
ChildShield steps in for the moments you never expect but always want to be ready for. Whether it’s a broken bone or burn, a hospital stay or serious illness, you’ll receive cash paid directly to you—quickly.
That means when your child needs care, you can cover the things that really matter: taking time off work, travelling to hospital, or arranging extra private care without worrying about the cost. It’s designed to ease the financial pressure, so you can focus on being there for your child when they need you most.
And because life doesn’t stop after one incident, you can make multiple claims throughout the year, with no limit on how many children you cover, all under one simple plan. There are no medical questions, and cover starts immediately, giving you peace of mind from day one that your family is protected — at home, at school, or wherever life takes you.
The policy brochure gives full details of all payout available through both options Policy Brochure
Taking out ChildShield cover is quick and simple. Protect your children instantly. Click the button below, complete your details in just minutes, and you’ll receive email confirmation straight away. Then download the MetLife app to access 24/7 virtual GP support — peace of mind that starts today!
It’s an easy way to secure peace of mind today — so you can relax knowing your children are protected from life’s unexpected moments.
Real Claim Story
“With two active kids, I just wanted that bit of peace of mind. My son’s obsessed with basketball and is always practising shots in the garden, and my daughter dances several times a week — they’re always on the go.
I took out ChildShield because, as much as you try to protect them, accidents just happen. When my son broke his finger during a game, the payout came through quickly. It covered the half day I’d missed at work taking him to hospital — and I even used a bit of it to buy him a new basketball, so he was happy again in no time. It’s one of those policies you hope you’ll never need, but when you do, you’re so glad it’s there.”
All children in your family from birth up to 22 can be included - this includes biological children, stepchildren and legally adopted children, as long as they live with or are financially dependent on you.
Q: How do the payouts work?
Answer
Payments are made directly to the parent, not to a hospital or provider. You decide how to use the funds - whether its covering lost income, private treatment, or travel and other expenses.
Q: Will premiums increase if I claim?
Answer
No. Your monthly premiums will not increase if you make a claim. There is no limit on the number of times you can make a claim under the plan. It is designed to give families confidence they can claim when needed without worrying about costs increasing.
Q: How long does it take for a claim to payout?
Answer
MetLife aims to make the claims process quick and stress-free. Once all the required information has been received, most ChildShield claims are paid within 5 to 10 working days — often sooner for straightforward cases such as broken bones or hospital stays.
Payments are made directly to you, not to a hospital or provider, so you can use the money straight away for whatever your family needs — from travel costs to time off work or extra care.
Q: What if my children have pre-existing conditions?
Answer
You don’t need to answer any medical questions when applying — every child can be covered instantly, regardless of their health history.
However, there’s a 12-month exclusion period for hospitalisation related to pre-existing conditions. This means if your child is hospitalised due to a condition they had before the policy started, it wouldn’t be covered during the first year of your plan.
After that initial 12 months, hospital stays for pre-existing conditions are covered, and you’ll continue to have full protection for any new accidents, injuries, or illnesses that happen after your policy begins.
Q: Can you make multiple claims?
Answer
Yes, absolutely. With MetLife ChildShield, you can make multiple claims throughout the year, and there’s no limit on the number of children you can include under your plan.
Each claim is assessed individually, and as long as it’s within the plan’s payout limits, you’ll receive a cash payment directly to you — whether it’s for a broken bone, hospital stay, or serious illness. This means if life throws more than one curveball your way, your family can get support each time it’s needed.
Q: Can both parents take out a plan?
Answer
Yes — both parents (or legal guardians) can take out their own ChildShield plan. Each plan is separate, which means if both parents hold a policy and a covered event happens, each policy will pay out.
This can effectively double the total payout, giving your family even greater financial protection.
Both plans can cover the same children, and there are no medical questions or restrictions on doing so.
🔥 Around 64,000 childhood burn injuries are medically attended each year in the UK
đźš‘ 30% of boys and 19% of girls will sustain at least one fracture before their 18th birthday
*Care Quality Commission. The state of health care and adult social care in England 2023/24. University of Southampton – study using the UK Clinical Practice Research Datalink
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