Child Critical Illness Insurance

It’s hard to think of the possibility that your child may become critically ill, but have you ever thought what you would do if it happened?

Critical illness insurance for a child, pays a lump sum benefit to the parent 30 days after your child is diagnosed with one of the 25 critical illnesses covered in the contract including 6 serious childhood diseases.

With this tax-free lump sum benefit you may be able to take time off work to be with your child and focus on their recovery without feeling the burden of lost income.

Illnesses that are covered include:

  • Cancer
  • Heart attack
  • Stroke
  • Coronary Artery Bypass
  • Multiple Sclerosis
  • Parkinson’s
  • Major Organ Transplant
  • Major Organ Failure (on waiting list)
  • Paralysis
  • Bacterial Meningitis
  • Coma
  • Aplastic Anaemia
  • Alzheimer’s
  • Renal (Kidney) Failure
  • Blindness
  • Loss of Speech
  • Loss of Limbs
  • Deafness
  • Severe Burns
  • Occupational HIV
  • Benign brain tumor
  • Aortic Surgery
  • Loss of Independent Existence
  • Motor Neuron Disease (Including ALS)
  • Heart Valve Replacement

There are some insurance companies that now cover the serious effects caused by the following infectious diseases.

  • West Nile Virus
  • Lyme Disease
  • E.coli infection
  • Necrotizing fascilitis

Childhood illnesses include:

Autism                                           Type 1 Diabetes

Rett’s Syndrome                            Cerebral Palsy

Cystic Fybrosis                               Muscular Dystrophy

With the children’s critical illness insurance, you have the option to cover your child’s life without the need for future premiums by selecting a 20 year payable plan.  If you child remains healthy throughout the life of the critical illness insurance contract, you also have the option of a refund of premiums paid that may help your child pay for a higher education, start a new business or fulfill their dreams.


**(critical illnesses will vary for each insurance company)