CommInsure’s Child Cover pays out a lump sum of up to $250,000 if your client’s child were to suffer a 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. 

Product Disclosure Statement (PDS)


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
  • Child Cover Loyalty benefit: if the insured child dies or suffers a Child Trauma condition after the fifth anniversary of the date insured from and we pay a Child Cover benefit (including a Partial Child Cover benefit) we’ll increase the benefit by 5%
  • Child Continuation option: within 30 days before the child cover expiry date, the insured child can ask us in writing to provide death and trauma cover under a new individual policy on his or her life. Alternatively the policy owner under which the Child Cover is issued, can ask us to replace the Child Cover with an equivalent amount of Life Care and Trauma Cover under their policy on the insured child's life.




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 suffers one of the 37 covered trauma conditions, or dies
  • In the event the child suffers one of the five conditions listed as a partial benefit, we will pay the greater of:
    • 10% of the Child Cover
    • $10,000.


Annie’s parents thought she had the flu. When the symptoms persisted for some time, they returned to the GP for blood tests. The results showed that she had leukaemia. 

Annie was in and out of the children’s hospital on a regular basis and had chemotherapy for 12 months. Finally, after two years, the doctors gave Annie an optimistic prognosis. 

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. 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 traumatic time.  

Annie - Child Cover case study