Children's Insurance Optional Cover

What’s Covered?

The Benefit Amount is paid if your child suffers any of the following serious illnesses or injuries:

• Bacterial Meningitis (and/or invasive meningococcal disease);
• Cancer (Children’s Insurance Option);
• Encephalitis - with permanent neurological impairment;
• End Stage Chronic Kidney Failure - requiring regular renal dialysis;
• Hearing Loss (permanent and disabling, after best treatment);
• Major Brain Injury - requiring admission of more than 4 consecutive days in an Intensive Care Unit (ICU);
• Major Burns to the Skin - of specified severity and requiring specific treatment;
• Major Organ Transplant - specified organs or being on a transplant waiting list;
• Non-cancerous tumour of the Brain or Spinal Cord - with permanent neurological impairment, or requiring surgical removal of the tumour or radiotherapy;
• Paralysis (total and permanent) - specified;
• Total and Permanent Loss of Use of One Specified Limb; or
• Vision Loss (permanent and disabling, after best treatment)

at least three months after the day cover starts, while covered under the Policy. These medical conditions are defined in the Glossary of the PDS.

This benefit is also paid as a lump sum if your child passes away.

You can use the Benefit Amount in any way you wish – to help with your child’s medical expenses, school fees or towards their recovery.

Things you should know

• Cover is for Accidental Death only in the first three months.
• Your child will not be covered for any claimable injury or illness, or death from any cause, which becomes apparent or occurs before the policy commences or during the first three months.
• Cover expires for each child on the policy anniversary following their 21st birthday.
• The Benefit Amount is payable once, per child insured.

For more information on our optional Children's Insurance, download our life insurance Product Disclosure Statement or call 1300 377 325 now.