Protecting Your Children in the Moments That Matter
● One policy covers all eligible children in the family.
● No medical checks or underwriting required.
● Protection from birth up to age 22, starting from just £6 a month.
What is MetLife ChildShield?
From first steps to leaving home, you never stop caring for your children. But even with the best care, accidents and illnesses can happen at any time.
ChildShield, powered by MetLife, is a standalone insurance policy designed to protect your children from birth right up until their 22nd birthday. It provides a tax-free lump sum payment if your child breaks a bone, requires a hospital stay, or is diagnosed with a specified serious condition. This financial support helps you manage unexpected costs—such as taking time off work, travel, or childcare—leaving you free to focus entirely on looking after your family.
Key Benefits of ChildShield
Inclusive Family Cover
One policy covers biological children, adopted children, stepchildren, and children under legal guardianship, with no limit on the number of children included.
Hassle-Free Setup
No medical underwriting or intrusive health questions are required to secure cover.
Long-Term Reassurance
Your policy stays firmly in place to protect your family until your youngest child reaches age 22.
Choose Your Level of Protection
You can select the level of protection that best fits your family budget. The coverage areas are identical, but ChildShield Plus pays double the benefit of the Standard plan for less than twice the cos.
| Covered Events | ChildShield Standard (£6/mo) |
ChildShield Plus (£11/mo) |
|---|---|---|
| Minor Broken Bone (e.g., facial or ear bones) |
£100 | £200 |
| Major Broken Bone (e.g., arm, leg, hip, or collarbone) |
£300 | £600 |
| Hospitalisation (per 24-hour period spent as an in-patient) |
£50 | £100 |
| Intensive Care Unit (ICU) (per 24-hour period) |
£150 | £300 |
| Serious Condition Diagnosis (including Cancer, Type-1 Diabetes, and Bacterial Meningitis) |
£5,000 | £10,000 |
Continuous Wellbeing Support for Your Family
ChildShield does more than provide financial reassurance. Every policy grants your family immediate, year-round access to professional support services at no extra cost:
- Virtual GP Access (GP24): Book unlimited video or phone appointments with a registered GP 24 hours a day, 365 days a year, from anywhere in the world.
- Wellbeing Support Centre: Access professional guidance from qualified counsellors, legal advisers, and nurses to help your family navigate life’s emotional and practical challenges.
GP24 Virtual Doctor
Unlimited, 24/7 video and phone appointments with registered GPs, accessible worldwide for your whole family at no extra cost.
Wellbeing Support Centre
All year round access to qualified counsellors, legal advisers, and nurses to help navigate your family's practical or emotional challenges.
Your Application Journey: How it Works
We want your application process to be as clear and straightforward as possible. Here is what to expect when you apply for ChildShield through Insurance-Desk.
1. Complete the Online Form
Fill out our quick and secure online quote and application form.
2. Enquiry Received
Your details are securely submitted directly to the Insurance-Desk team.
3. Manual Review
Our dedicated Protection Team reviews your application and processes it manually through the official MetLife portal.
4. Application Processing
MetLife reviews and accepts the application. Please note that cover is not active immediately upon submitting your online form.
5. Policy Document & Activation
Your insurance cover officially commences only after MetLife has fully accepted your application and issued your formal policy documentation.
6. Monthly Premium Collection
Once your policy is live, MetLife will manage and collect your monthly premium payments directly via Direct Debit.
Important: Cover does not begin when the form is submitted. Cover only starts once MetLife has accepted the application and issued the policy documentation.
Ready to Protect Your Family?
Protecting your children against life’s unexpected twists is simple, affordable, and quick to set up. Click below to fill out our quick form and receive your personalised quote.