What is Bump Cover?
Bump Cover...
is basically Critical Illness Insurance for babies from 24 weeks gestation, and also for mums pregnancy complications.
Critical Illness...
cover, or critical illness insurance, is a form of protection which pays out a tax-free lump sum if you or your child are diagnosed with a specified illness or medical condition, during the term and listed on your policy.
can protect your children if they were to get a critical illness. If your child was to be diagnosed with a critical illness, they are covered under you or your partner’s critical illness insurance. A lump sum can be paid out of up to 50% of the parents’ value. This money could help towards unexpected costs such as time off work, child care or even to help with alterations to the home that may need to be made.
The Pregnancy Complications Covered
Claim for pregnancy complications
Some insurance providers also cover for an extra condition if you have pregnancy complications and could pay-out up to £5000. They will provide cover for bump, from 24 weeks pregnant.
Many insurers also offer further support if a child was to get critically ill. Things like specialist children’s nurses, child care benefit, counselling, play therapy, emotional support, family accommodation and domestic support for your home. All to alleviate the stress and burdens put on you during these difficult times.
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Here are a list of the main pregnancy complications that can be claimed on, to get a £5,000-£10,000 payout.
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eclampsia (but excluding pre-eclampsia)
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ectopic pregnancy with surgery to remove a fallopian tube
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placental abruption (but excluding placenta praevia)
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foetal death in utero after at least 20 weeks gestation
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new-born intensive care - +37 weeks gestation requiring 24/7 tracheal intubation between birth date and 90 days
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still birth (excluding elective pregnancy termination) after at least 24 weeks gestation
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disseminated intravascular coagulation (DIC)
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hydatidiform mole
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birth defects e.g. cleft lip/palate, club foot etc.
Why have you not heard of Bump Cover?
Bump Cover...
Bump Cover is a relatively new type of insurance and because it isn't a medically advised service, midwives and healthcare professionals can't recommend or advise on it.
Therefore, Cover My Bubble are trying to raise awareness of this valuable protection for couples planning a family or newly expectant mums.
Also, the insurance industry and national media would sooner promote life insurance, mortgage cover and investments. Instead of protection for if and when your family get sick, or have an accident.
Why are we raising awareness?
From one family to many others...
Firstly, we are passionate about families and making sure you have the most suitable and affordable insurance protection for your individual circumstances.
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Secondly, we know personally what it is like to not have financial help when your baby is very ill or passes away.
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Lastly, we want to be the go-to insurance broker for families and especially for Bump Cover and Children's Cover.
Who are we and why? Lillie's Story
Cover My Bubble & Lillie-Beth
We call our family ‘our bubble’. When talking to family or friends, we say we’ve had bubble-time or a day out with the bubble. When thinking of protecting our family, covering our bubble was a phrase that came up. (this was well before the terms ‘support bubble and ‘social bubble’ became common terms).
Therefore, when I was setting up the business, Chris came up with the name Cover My Bubble, as he said “you will be covering other people's bubbles”. It was perfect!
We lost our daughter, Lillie, in 2006 and even though we already had a child, plus we’d been married for over a year, we were unaware what life insurance really meant and that there were other personal protection products that would have helped us financially. If you don’t know our personal story, watch our video.
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It wasn’t until 2010, when I got a job at a local insurance broker, that the range of options were fully explained to me. I finally realised that if me or Chris had had some Life Insurance or Critical Illness Cover when Lillie passed away (or during her short stay with us), we could have made a claim to ease the pressure of being unable to work and subsequently paying everyday bills.
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I wasn’t happy with the way many of the insurance brokers I came into contact with were ‘selling’ insurance. No one was taking the needs of the client into account. There was no care for the person or the family circumstances. Surely, if a family could only afford £20 a month (for example), they could get some security for if or when something bad was to happen!