Child Protector is an underwritten Critical Illness Insurance Plan available to children ages 3 months to 15 years. The minimum sum insured is $1 million and the maximum is $10 million. The plan provides benefits for 15 critical illnesses as well as an opportunity to invest in college education.

Features and Benefits

Critical Illness

A lump sum of cash is paid out in the event your child is diagnosed with one of the following major critical illnesses:

• Acute Rheumatic Fever

• Major Burns

• Blindness

• Muscular Dystrophy

• Benign Brain Tumour

• Myocardial Infarction

• Cancer

• Severe Asthma (Requiring ICU Admission And Ventilator Support In Excess Of 48 Hours)

• Cerebral Palsy

• Chronic Kidney Failure

• Cystic Fibrosis

• Stroke

• Deafness

• Type 1 Diabetes

• Intussusception of Intestine Requiring Surgery

Partial Payout Benefit – Blindness and Deafness

• A partial pay-out benefit of 50% of the sum insured is made if loss of sight/hearing occurs in one eye/ear due to injury or illness

• The sum insured reduces to 50% and the basic premium remains the same

• Loss of sight in one eye caused by diagnosed and untreated glaucoma is specifically excluded

Death Benefit

• The plan includes a death benefit feature which pays 10% of the sum insured if your child dies from any cause other than the fifteen (15) covered conditions.

Hospitalization Benefit

• In the unfortunate event that your child is hospitalized for at least 7 days, 5% of the sum insured is paid as a lump sum.

• This benefit is restricted to 1 such claim per year and a lifetime maximum of 3 such claims, provided that at least 12 months separate the periods of admission and that the admissions are not related in any way to the previous admissions.