I called More Than back to check their insurance cover, it's £6000 of cover per ailment for as long as the £6000 lasts for that ailment, it definately isn't life cover. Once that £6000 is spent your on your own.
Although it is a lot of money, I doubt if, God forbid, one of my babies developed a heart condition at the age of 3, £6000 wouldn't see them a life time.
So we've gone with Direct Line - hope we never need to use it.