Taking care of your family

Home / Funeral Insurance / Optional Cover – Children’s Insurance

Optional protection with Children’s Insurance

There is nothing more upsetting than seeing your child suffer a serious illness or injury. We hope you never have to go through it – but that doesn’t mean you shouldn’t be prepared. That’s why we’ve given you the option to add Children’s Insurance to your Seniors Funeral Insurance cover.

Insurance can’t take away the stress of caring for a seriously ill or injured child – or the terrible grief of losing them. But what it can do is help ease the financial stress of paying for medical expenses, rehabilitation or even allowing parents time off work to care for their child.

Who’s this for?

You can apply for Children’s Insurance for your child aged between 2 and 17 years old when you take out Seniors Funeral Insurance. You or your insured partner must be the parent or legal guardian of the child, who must also be an Australian citizen.

What it provides

A lump sum of $10,000

Children’s Insurance pays a lump sum benefit of $10,000 should your child die or suffer a specified serious injury or illness.

It’s money you can use to help with extra costs at a difficult time, such as medical expenses or the cost of a funeral.

Cover for serious conditions

You’re covered if your child suffers from, or is diagnosed with, any of these serious medical conditions after 3 months of holding the policy:

  • Terminal Illness
  • Blindness
  • Deafness
  • Total and Permanent Loss of Use of One Limb
  • Encephalitis
  • Major Head Trauma
  • Meningitis
  • Paralysis
  • Benign Tumour of the Brain or of the Spinal Cord
  • Cancer
  • Severe Burns
  • Chronic Kidney Failure or Major Organ Transplant.

You’ll receive a benefit if your child dies as a result of:

  • An accident within the first 3 months of insurance
  • Any cause after being continually insured for 3 months, as long as it is not the result of a pre-existing or congenital condition.