Your baby will get up to all sorts of dangerous things, from putting all sorts of things in their mouth to climbing obstacles . You will want to wrap them up in cotton wool and insurance is kinda like that.

Medical insurance will mean later on in life if conditions do develop, you have robust protection. Especially when considering how the industry treats pre existing conditions. Generally medical cover is not available on conditions that you had developed before taking the cover.

Critical illness or trauma cover which provides a lump sum under certain medical conditions, is also available for young ones.

This is also a great time to consider reviewing parents cover as well. There are certain policies which carry what is called a “life events benefit”. This benefit allows an upgrade of cover without medical underwriting if it is done within a certain time frame of the life event.

So it best to take to a nice insurance adviser like Sandy to consider the costs of these options.