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Features

What are the special ChildMax Features?

  • The insurer is rated A (Excellent) Positive Outlook by A.M. Best. The sale of this product is regulated by the Financial Conduct Authority (FCA) and is part of the Financial Services Compensation Scheme (FSCS) and FOS (The Financial Ombudsman’s Service).
  • Claim payments are tax-free.
  • You must start your Leave of Absence during the Policy Period or within 10 months after the expiry date of the policy.
  • If during your Leave of Absence, you choose to return to employment on a full-time, part-time or other flexible basis, you must inform us immediately and with our prior agreement we will pay you any shortfall between your Take Home Salary and any lower earnings.
  • If your Leave of Absence coincides with your Paid Absence from Work (e.g. maternity pay) we will only pay any shortfall between your Take Home Salary and the amount you receive for your Paid Absence from Work.
  • If your child does not survive your leave of absence, payments continue until the twelve month leave of absence ceases or you choose to go back to work, whichever occurs first.
  • You can insure up to 8 children, but they must be natural (biological), step (from marriage) or legally adopted and reside with you at your address. Your children must be over three (3) months old and under eighteen (18) years old at the policy inception.
  • You can select your take home salary to be insured from £1,000 and up to a maximum of £5,000 per month. Your selection should be based on your earnings prior to purchasing ChildMax. You can select a lower figure than your actual take home salary, but never higher.

Please read the Policy Summary and Policy Wording documents for the full details.

What can ChildMax cover?

ChildMax insures the following Specific Medical Conditions resulting from an Accident and Specified Illnesses.

Specific Medical Conditions covered as follows:

  1. Blindness
  2. Coma
  3. Deafness
  4. Loss of a Hand or Foot
  5. Paralysis of Limbs
  6. Third-Degree Burns
  7. Traumatic Brain Injury

Specified Illnesses covered as follows:

  1. Aplastic Anaemia
  2. Bacterial Meningitis
  3. Benign Brain Tumour
  4. Blindness
  5. Cancer
  6. Deafness
  7. Kidney Failure
  8. Loss of a Hand or Foot
  9. Major Organ Transplant
  10. Multiple Sclerosis with Persisting Symptoms
  11. Paralysis of Limbs
  12. Stroke

For the avoidance of doubt, only those conditions that fall within the specific medical conditions and/or specified illnesses as specifically defined in the policy are covered. Any other conditions not so specifically defined are excluded from the scope of cover of this policy. We use medical definitions taken from the Statement of Best Practice for Critical Illness Cover (December 2014) produced by the Association of British Insurers (ABI). Please refer to the medical definitions section of the Policy. For an explanation of each medical term, please refer to the Glossary.

What can't ChildMax cover?

Any loss of take home salary caused or contributed to directly or indirectly by:

  1. You or Your Child taking part in a criminal act;
  2. Your Child's intentional or self-inflicted injury;
  3. Injury to Your Child intentionally caused by You or an adult residing with You at Your address;
  4. You or Your Child being intoxicated by alcohol or drugs;
  5. Any Specified Illness present at the Child’s birth;
  6. Any Specific Medical Condition or Specified Illness which first Manifested before the Retroactive Date;
  7. Any Accident which occurred before the Retroactive Date;
  8. Any medical condition not specified in this Policy;
  9. You or Your Child living outside of the United Kingdom for more than thirteen (13) consecutive weeks in any twelve (12) months;
  10. Your or Your Child's unreasonable failure to seek or follow medical advice;
  11. Your Child being less than three (3) months old on the day of the Diagnosis;
  12. Your Child engaging in or taking part in armed forces service or operations.

Please read the Policy for the full details.