FAQs

Our 'Frequently Asked Questions' section is here to save you time in finding the answer you need. However, please make sure you also read the key features summary and policy documents to ensure you fully understand the cover provided by your policy. 

Chosen by Experts is our premium cover insuring the most serious and prevalent medical conditions affecting newborns (typically covering 14 conditions) designed by the medical profession. Costing from £16 per month.

Chosen by Mums is affordable cover (from £6 a month), built by Mums. Covering the medical conditions most requested by Mums and Mums-to-be.

The FAQs below provide greater detail on these covers which are bought by individual parents. 

If you have any other questions or concerns please contact us on 0800 6444 355 or support@nurturefirst.insure

General
Policy
Medical
Emergency
Security
Age
Residency
Cancel
Travel
General Cover Questions
How long is my child (Insured Person) actually covered for?

Cover starts on the Commencement date of the Policy, and continues until the Insured Person’s second birthday.

Will my private medical cover be sufficient?

We suggest that you check this carefully as the cover usually relates to treatment and not the many other costs you may incur.

What if everything I need is provided for by the NHS?

The product is designed to complement the NHS, not to replace it. You should still undergo treatment as advised by your NHS doctor(s) and the benefits provided under this Policy are meant to assist with any additional costs you will incur. This can range simply from mounting car park costs to extended time off work to care for your child - amongst many other unforeseen costs.

 

 

What are the benefits under the Policy?

Each condition has its own fixed benefit amount shown in the product information and Policy. This is paid to the Policy Holder upon the Insured Person being diagnosed with one or more of the covered conditions.

What is a covered condition?

The conditions for which a benefit is payable include: cerebral palsy; congenital heart disease; congenital deafness; cancer; epilepsy; cystic fibrosis; cleft palate; congenital cataract; congenital blindness; cleft lip; developmental dysplasia of the hip; club foot, diabetes mellitus and accidental death. Down's syndrome can be included as an optional extra. All policies also include funeral and counselling expenses.

Please note that there are different conditions covered under our Chosen by Mums products and Our Chosen by Experts products. Please see the Our Insurance for more details on our products.

Who are the benefits paid to?

Payments are made in the name of the Policyholder - the birth mother.

Who can insure my baby?

We provide cover to the birth mother as the Policyholder. 

What can I use a claim payment for?

Benefits payable can be used in whatever way you wish. This might include medical treatment not covered by the NHS or medical insurance, house remodelling or loss of earnings due to a parent having to stay at home. The choice is entirely the Policyholder’s irrespective of who has paid the Policy premium.

 

Am I covered if I move outside the UK either temporarily or permanently?

Yes. Please be aware that the Policyholder and Insured Person must be registered throughout the Period of Insurance with a qualified General Practitioner (GP) in the country in which they are resident. 

Please let us know your new address and if you need to claim then please follow the usual procedures explained in our FAQs and in the Policy.

Who can pay the premium?

Anyone you choose can pay the premium. For example, it’s fine for parents and grandparents of the mother to help out but they will have no benefit under the Policy.  The payment, in the event of a claim, will be paid to the Policyholder (birth mother).

Who are NurtureFirst?

NurtureFirst is a trading name of Future Family Limited. 

Future Family specialise in innovative insurance that focuses of families and early life, putting them in control when a loved one is seriously ill. 

The board of Future Family includes Dr John Fysh (Chief Medical Officer). Dr Fysh has had a distinguished career and is currently a consultant at the Portland Hospital in London, a Fellow of the Royal College of Paediatrics and Child Health and the Royal College of Physicians. 

Please follow this link for the full NurtureFirst story.

How do I make a complaint?

Full details are in your Policy but we would encourage you to first try to resolve any dispute directly with us.

To make a complaint please contact our Customer Care Team via email:

support@nurturefirst.insure 

Or over the phone: 0800 6444 355

 

If this fails then you can submit your complaint via the electronic complaint form on the Online Dispute Resolution platform. 

Policy Arrangements
Can I change my policy?

If you move house, change your name, find that we have recorded any details  incorrectly or have another change to your circumstances then please call us on 0800 6444 355 or email us at support@nurturefirst.insure and we'll review and advise if we can adjust your Policy.

 

How do I renew my policy?

No renewal is required. If your premiums are up to date then the Policy automatically expires when your child is 2 years of age.

 

How do I pay for my policy?

You can either pay a single premium ‘upfront’ or if you pay in 12 or 24 regular premiums there will be a small additional fee included in the premium calculation. All payments are by Direct Debit so you are protected by the banks' Direct Debit Guarantee. GoCardless Direct Debit Guarantee

How accurate does the information I give you need to be?

In deciding whether and how to underwrite this Policy, your Insurers will rely on information provided in the Application Form and any other presentation, statements, declarations or information provided in relation to your application, including information provided by any Medical Practitioner / Specialist.

If any of the information provided to your Insurers is not true or incomplete then, depending on the circumstances in which the information was provided, they may:

  • change the terms and conditions of your Policy;
  • change the premium payable; or
  • cancel your Policy and treat it as if it never existed.

If you have any concerns whatsover about this then please contact us immediately on 0800 6444 355 or support@nurturefirst.insure.

Does the policy have a 'cash in' value'?

This Policy does not acquire a surrender or 'cash in' value and no premiums are refundable at expiry.

What 'conditions' are not covered?

The Policy does not cover:

  1. Other conditions meaning any conditions, illnesses or disabilities which are not listed in the table of Diagnosed Covered Conditions in the Policy.
  1. Inappropriate use of alcohol or drugs meaning the Insured Person’s mother’s inappropriate use of alcohol or drugs, which includes the following: (i) Consuming more alcohol than recommended by the General Medical Council. (ii) Taking an overdose of drugs, whether lawfully prescribed or otherwise. (iii) Taking Controlled Drugs (as defined by the Misuse of Drugs Act 1971) otherwise than in accordance with a lawful prescription.
  1. Self-inflicted injury meaning death or injury resulting directly or indirectly from the Insured Person’s parent or that of any carer’s criminal activity, intentional actions, or self-injury.
  1. Specially excluded Conditions meaning where your claim is excluded by any Special Condition or other Additional Exclusion or where Diagnosed Covered Condition are removed as stated in the Schedule or detailed in any Mid-Term Adjustment issued after this Policy has been sent to you. 
  1. Unreasonable failure to seek or follow medical advice meaning the Insured Person’s mother’s failure to seek or follow medical advice.
  1. This Policy is for one Insured Person and does not cover multiple births, individual policies will be needed for each baby {insured person}, only 2 separate policies will be allowed and no cover will be given for triplets or multiple births

 

How do I claim?

You buy insurance for peace of mind and so you can claim if something happens. 

In the event of a claim you should notify NurtureFirst as soon as possible by calling us on 0800 6444 355 or emailing us at claims@nurturefirst.insure. We can then collect the correct information from you right from the start and ensure that the claims process is as smooth as possible.

Please do this as soon as you can, and within 30 days of becoming aware of anything likely to result in a claim. 

Can I make more than one claim?

Yes, if the Insured Person is diagnosed with more than one of the Diagnosed Covered Condition listed in the Policy. Your premium payments must be up-to-date at the time that the second or subsequent Diagnosed Covered Condition is diagnosed.

When should I apply for cover?

If your application is accepted you can start cover at any time between the date of your clear 20 week scan and the end of your pregnancy.

How do I make a complaint?

Full details are in your Policy but we would encourage you to first try to resolve any dispute directly with us. If this fails then you can now submit your complaint via the electronic complaint form on the Online Dispute Resolution platform.

Medical Conditions
What happens if I am having twins / triplets?

In the case of twins, we are pleased to confirm that cover is available if you buy a separate Policy for each of your children. You cannot buy for just one as we shall not know which one is covered. Please therefore buy two policies, one at a time, to cover each child. Each child will have their own Policy and full cover in their own right. Different Policy numbers will be issued to you for each. After the children are born we ask you to advise us of your chosen names, date of birth and gender  to their individual policies. In the case of more than two births - we unfortunately cannot provide cover at this time.

I am not sure about the medical history of my mother / father. Can I still apply?

Don't worry, we only need to know about the medical history of the mother and father of the baby you wish to insure. We do not need any information about their parents!

Can I add cover for Down's syndrome?

It is now possible for an expectant mother to be tested for Down’s syndrome well before the 20 week scan. As Down’s syndrome is a higher risk to insurers (particularly for older mothers), it can result in an expensive premium.

Mothers may choose to pay for the test as a cheaper option than the Down’s syndrome insurance extension. For those that wish to insure this condition we offer cover at additional cost - please just add this selection to your quote.

Can I get cover if my 20 week scan is not clear?

This will depend very much on the condition and as every pregnancy is unique please complete the Application Form and we will reply.

What is a clear 20 week scan?

A clear 20 week scan is one where you were not informed by the sonographer, consultant, midwife or other medical professional of any issues or abnormalities at or following the scan.

Emergency
Do I have to pay medical expenses?

In the event of a valid claim, the Policy will pay the Policyholder the benefit amount. It is up to you to choose what the benefit is spent on, irrespective of who has paid the Policy premium.

What if I have a medical emergency?

Please use the emergency services as normal and contact us as soon as possible thereafter.

How do I claim?

You buy insurance for peace of mind and so you can claim if something happens. 

In the event of a claim you should notify NurtureFirst as soon as possible by calling us on 0800 6444 355 or emailing us at claims@nurturefirst.insure. We can then collect the correct information from you right from the start and ensure that the claims process is as smooth as possible.

Please do this as soon as you can, and within 30 days of becoming aware of anything likely to result in a claim. 

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Security Information
Is it safe to put my personal details online?

Yes. Whenever we ask you for personal information, we do so within a secure environment and all details sent between your device and our website are encrypted.

Age
How old can I be and still buy cover?

You can still purchase NurtureFirst right up until the Policyholder’s 50th birthday at the date of purchase

I am under 18 - can I buy your policy?

The Policyholder has to be over 18 years of age at the date of purchase in order buy a Policy.

Residency
What happens if I move house to a different address?

You must contact Future Family by post, telephone or email and they will record your new address. If you are moving outside the United Kingdom then we will advise you that you will no  longer be covered under this Policy.

I live overseas. Can I buy this insurance from you?

Currently, only United Kingdom residents can buy insurance from this website. 

Countries where cover is provided

Cover can only be bought in the United Kingdom by a Policyholder who intends to reside with the Insured Person in the United Kingdom during the Period of Insurance.

The Policy Holder and the Insured Person must be registered throughout the Period of Insurance with a General Practitioner (GP) in the United Kingdom.

Cancel
How can I cancel the cover?

If you have paid a single premium to us then the following applies:

You have a right to cancel this Policy within thirty (30) days of the Commencement Date.

To exercise this right, please contact the NurtureFirst Customer Service Manager, Future Family by post, telephone or e-mail and complete and return the Cancellation Form included with the Policy certificate as soon as reasonably practical. We will repay any premium you have paid, free of any charges within thirty (30) days of receipt of the Cancellation Form, unless you have made a claim or fraud is involved in which case no premium will be refunded.

You may cancel this Policy at any time after the thirtieth (30th) day after the commencement date of this Policy by writing to Future Family. Any return premium due will be calculated at a proportional daily rate depending on how long the Policy has been in force, unless a claim has been made, in which case no refund is payable.

 

If you have been paying regular premiums to us then the following applies:

You have a right to cancel this Policy within thirty (30) days of the Commencement Date. If you do cancel within this period we will refund any premium you have paid unless you have made a claim or fraud is involved in which case no premium will be refunded. To exercise this right, please contact NurtureFirst Customer Service Manager, Future Family by post, telephone or e-mail and complete and return the Cancellation Form included with the Policy certificate.

You may cancel this Policy at any time after the thirtieth (30th) day after the Commencement Date of this Policy by writing to Future Family. If you cancel this Policy after thirty (30) days we will not refund any premium you have already paid towards your Policy.

How do I make a complaint?

Full details are in your Policy document but we would encourage you to first try to resolve any dispute directly with us.

To make a complaint please contact our customer care team via email: support@nurturefirst.insure 

Or over the phone: 0800 6444 355

Travel
Travel Insurance FAQs

Our travel insurance is provided in association with travel insurance experts, goodtogoinsurance.com. In addition to catering for the needs of mothers to be, there are no age limits and wide parameters of acceptance for those with medical conditions so all family members should be able to obtain cover. For further details please click here.

Get in touch with us today

support@nurturefirst.insure 0800 6444 355 Apply now >

NurtureFirst is a Trading Name of Future Family Limited. Future Family Limited (Company Number 07828098) is an Appointed Representative of OneGlobal Broking Limited. OneGlobal Broking Limited (Firm Reference No. 311657) is authorised and regulated by the Financial Conduct Authority.

 

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