What would you do if your child suffered a critical illness?
Could you afford to...
- Take time off work to be with your ill child?
- Pay for special therapy to improve your child’s quality of life?
- Hire a caregiver for other children in the family when accompanying the ill child to treatments or hospitalization?
- Hire private nursing services so your child could stay at home during an illness?
- Travel for specialized care not available in your area?
Children’s critical illness plans are tailored to cover conditions that affect children, such as autism and cerebral palsy. A lump sum benefit is payable on diagnosis of a covered condition (following a survival period -- usually 30 days). The lump sum is typically paid to the parent, who is free to determine the best way to use the money.
The following conditions are covered by Children’s Critical Illness plans from issue until age 18, when coverage changes to adult conditions.
| Child Coverage (Covered Illnesses) | Adult Coverage (Covered Illnesses) |
| Life Threatening Cancer | Life Threatening Cancer |
| Kidney Failure | Kidney Failure |
| Major Organ Transplant | Major Organ Transplant |
| Blindness | Blindness |
| Deafness | Deafness |
| MS | MS |
| Paralysis | Paralysis |
| @ age 18 these child illnesses are removed | @ age 18 these adult illnesses are added |
| Autism | Parkinson's |
| Cystic Fibrosis | Heart Attack |
| Cerebral Palsy | Stroke |
| Congenital Heart Disease | Coronary Artery Bypass Surgery |
| Diabetes Type 1 | Loss of Limbs |
| Down's Syndrome | Coma |
| Loss of Speach | |
| Occupational HIV | |
| Severe Burns | |
| Alzheimer's | |
Motor Neuron Disease |
* Contracts may vary slightly from different carriers.
