Children's Insurance

This optional cover provides financial support to your family if your child becomes seriously ill, injured or passes away.

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What is life insurance for children?

Children’s Insurance provides a benefit in the event your child suffers a defined illness, 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. Whether you're looking for life insurance for your son or daughter, this optional cover can help provide financial peace of mind during challenging times.

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.

Real 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 conditions are covered?

With optional Children’s Insurance, you’ll receive a lump sum cash payment if your child suffers the following:

Critical illness

Cancer (Children's Insurance Option)
Benign (non-cancerous) tumour of the brain or spinal cord – with permanent neurological impairment, or requiring surgical removal of the tumour or radiotherapy
Encephalitis – with permanent neurological impairment

Chronic condition

End stage chronic kidney failure – requiring specified treatment, such as regular renal dialysis
Hearing loss – permanent and disabling, or requiring a cochlear implant

Severe injury

Major brain injury – requiring admission of more than four consecutive days in an intensive care unit (ICU)
Major burns to the skin – of specified severity and requiring specific treatment
Paralysis – total and permanent, as specified
Total and permanent loss of use of one specified limb

Major organ treatment

Major organ transplant – specified organs or being on a transplant waiting list

Other serious illnesses

Bacterial meningitis (and/or invasive meningococcal disease)
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 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.

Some 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.

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Why should I consider optional Children’s Insurance?

When a child experiences a serious illness or injury, it can affect many aspects of family life. Optional Children's Insurance may help ease some of the financial pressure, so you can focus on your child rather than worrying about your finances, at an already difficult time.

What are the emotional and practical benefits?

Every family's circumstances are different, but having optional Children's Insurance in place may provide reassurance that financial support is available when you need it the most. The benefit can help with unexpected expenses or changes to your family's routine during a difficult time.

When could optional Children's Insurance help?

Depending on your circumstances, the benefit may help with costs such as:

Medical expenses following a covered serious illness or injury.
School fees or other education-related costs while your child recovers.
Replacing some lost income if you need to take time away from work to care for your child.
Other everyday expenses that may arise during your child's treatment or recovery.

Commonly Asked Questions

At what age can you apply for life insurance for your child?

At Real Insurance, Children's Insurance is available as optional cover for children aged between 2 and 17 years when added to a Real Life Insurance policy.

Are there additional costs for adding children to my policy?

Yes. Children's Insurance is optional cover that can be added to a Real Life Insurance policy for an additional premium. The premium will depend on the level of cover and number of children you choose. It's simple to apply, request a quote now.

View all commonly asked questions

Have you considered optional Serious Illness Insurance?

Optional Serious Illness Insurance can provide financial support if you suffer a defined serious illness, such as a severe heart attack, cancer or stroke. Available to Australian residents aged between 18 and 59 with a Real Life Insurance policy. You can apply for a benefit amount from $50,000 up to $500,000, depending on your circumstances, and use the cash payment in any way you wish.

Learn More

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