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.