Children’s Insurance

By adding optional Children’s Insurance to your Real Life Insurance policy, you are financially protecting both you and your family at a time when you don’t want to be worrying about money.

Children’s Insurance provides a benefit in the event your child suffers a defined illness or injury, or passes away. This benefit can be put towards anything your family may need; such as medical expenses, childcare fees or extra school tuition. If you have to take time off work, this benefit could also replace some of your lost income during this period.

Features of Children’s Insurance

  • You can get Children’s Insurance added to your policy for any of your children aged between 2 and 17.

  • You can choose your own benefit amount, from $20,000 up to $50,000 for each child insured.

  • You can select different benefit amounts for each insured child, taking into consideration age, schooling or lifestyle requirements, or other personal needs.

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.

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Add Optional Cover

Total & Permanent Disability Insurance

  • Choose a Benefit Amount between $50,000 and $1 million (depending on your age)
  • Pays your cover amount in full if you become permanently disabled or can’t work due to a permanent illness or injury
  • Use the payout to cover costs of treatment, rehabilitation or for anything else you may need

Serious Illness Insurance

  • Available for Australian residents aged between 18 and 59 years
  • Choose a Benefit Amount from $50,000 up to a maximum of $500,000
  • Cover for some of the most common serious illnesses
  • Use the Benefit Amount in any way you wish