Child Cover


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Total Care Plan (TCP) is now closed to new business (except continuation options and replacements). Existing customers can still increase, decrease, add options, obtain replacement policies and exercise the Child Continuation option. They will also continue to receive product improvements to ensure they provide ongoing valuable, contemporary protection.

CommInsure’s Child Cover pays out a lump sum of up to $250,000 if your client’s child were to suffer a specified Child Cover Trauma condition or dies. Importantly, your client can decide how to spend the lump sum payment.  More than one child can be covered on the policy, so long as they are insured for the same amount. The tax free lump sum payment can be used to meet additional expenses when your client needs it most. 


At a glance

  • Maximum cover of $250,000
  • CommInsure offers Child Cover as an option to Total Care Plan clients who have children:
    • minimum entry age 2
    • maximum entry age 16
  • There is no limit to the number of children that can be insured on the policy. Each child must be the same sum insured.


Key benefits

  • CommInsure Child Cover provides cover for 37 Trauma conditions, including partial benefits for four conditions as defined in the PDS
  • Child Cover Loyalty benefit: after 5 years of cover, we automatically increase the Child Cover benefit by 5% at no extra cost
  • Child Continuation option: allows your client to convert Child Cover to Life Care and Trauma Cover under a new Total Care Plan policy, without needing to provide more health evidence.


Download the PDS for full list of benefits >


When is a benefit paid?

  • A lump sum is paid to the policy owner in the event that his or her child who is covered suffers one of the specified 37 covered trauma conditions, or dies
  • In the event the covered child suffers one of the four conditions listed as a partial benefit, we will pay the greater of:
    • 10% of the Child Cover
    • $10,000.

Please read the definitions in the PDS to fully understand these benefits.


During the winter of 2010 Annie's parents thought she had the flu. When the symptoms persisted for some time, they took her to the GP for blood tests. The results showed that she had bacterial meningitis.

Annie was in and out of the children's hospital on a regular basis and after six months and after early intensive intravenous antibiotic and corticosteroid treatment, managed to fully recover.

Annie's parents, Julia and Michael, suffered a lot of stress and worry during this time, but fortunately they didn't have to worry about financial issues as well. Julia and Michael had taken out a CommInsure Child Cover policy for Annie. Bacterial meningitis is one of the conditions covered and the diagnosis matched the definition in the CommInsure Protection Product Disclosure Statement (PDS). They placed a claim with CommInsure and shortly after received a lump sum payment of $75,000.

With the money from CommInsure, they were able to cover:

  • Julia giving up her job temporarily so she could fully care for Annie
  • hotel stays so Julia and Michael could be close to the hospital
  • a live-in nanny to look after the other children
  • a much-needed family holiday to the Gold Coast once Annie had recovered. 

Julia and Michael were relieved they could give Annie and her siblings all the attention they needed during a very difficult time.  

The examples used are for illustrative purposes only.