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Important Information

ChildMax is designed to protect your take home salary in the event that you take an unpaid leave of absence from your employment in order to care for your child following their diagnosis of a specified medical condition caused by an accident, or a specified illness. After your child has been diagnosed, the policy will pay your take home salary on a monthly basis for up to a maximum of twelve (12) months. You must start your leave of absence during the policy period or in the 10 months immediately following the expiry of the policy.

Please read the Insurance Product Information Document.

ChildMax insures the following Specific Medical Conditions resulting from an accident and Specified Illnesses:

Specific Medical Conditions covered are as follows:

  1. Blindness
  2. Coma
  3. Deafness
  4. Loss of a Hand or Foot
  5. Paralysis of Limb(s)
  6. Serious Third-Degree Burn(s)
  7. Traumatic Brain Injury

Specified Illnesses covered are 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 Limb(s)
  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.

Please refer to the Medical Definitions section of the Policy. For an explanation of each medical term, please refer to the Glossary.

No benefit under the Policy will be payable if Your loss of Take Home Salary is caused or contributed 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 Pre-Existing Date;
  7. Any Accident which occurred before the Pre-Existing 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 or Accident;
  12. Your Child engaging in or taking part in armed forces service or operations.
  13. Any Serious Third-Degree Burn(s) that covers less than five per cent (5%) of the body’s surface area;
  14. War and/or terrorism;
  15. Any bodily injury, illness as a result of (i) any pathogenic, chemical, biological, bio-chemical or radioactive materials; (ii) a nuclear or radioactive device whose destructive force employs or involves atomic or nuclear fission and/or fusion or other like reaction.

Please read the Policy for the full details.

The Insurance Product Information Document is an important document and it is designed to help you decide whether or not to purchase this Policy. It is strongly recommended that you read this document alongside the full Policy terms and conditions together with the Policy Certificate.

Please read the Insurance Product Information Document and Policy for the full details.

When purchasing a ChildMax policy please take care to provide us with accurate information. Once purchased changes to the Policy Certificate information cannot normally be made until the policy is renewed.

We will refund your premium in full if within fourteen (14) days of purchasing this Policy you decide that it does not meet your needs, provided that you have already paid the premium in full and have not reported or intend to report a claim. After the fourteen (14) days has expired, you may cancel the Policy but will not receive a refund.

The Policy is only available if, at the inception of the Policy:

  1. You are a UK resident with your main home in the UK;
  2. You have a National Insurance number;
  3. You have worked for at least the previous 3 months as either an employee, self-employed, a director or a partner;
  4. Your Child/Children to be insured are over three (3) months old and under eighteen (18) years old;
  5. Your Child/Children to be insured are either natural (biological), step (from marriage) or legally adopted.

The Policy is also not available if, at the inception of the Policy:

  1. Your Child/Children to be insured have suffered from any of the Specific Medical Conditions or Specified Illnesses;
  2. You have no documentary evidence of your current Take Home Salary, either as an employee, self-employed, director or partner;
  3. Your Child/Children to be insured are not residing with you at your address.

This Policy is distributed by InsureWithMax.com which is operated by Riverside Underwriting Limited who are duly authorised to act as the agent for Vibe Syndicate Management Limited on behalf of Syndicate 5678 under Agreement Number B1232L10010005A19. Riverside Underwriting Limited is authorised and regulated by the Financial Conduct Authority (firm reference number 466942) for the sale and administration of general insurance products in the United Kingdom and throughout the Members of the European Economic Area (EEA).

Part of the Financial Ombudsman Service (FOS) and part of Financial Services Compensation Scheme (FSCS).

This Policy is underwritten by Vibe Syndicate Management Limited on behalf of Syndicate 5678. Vibe Syndicate Management Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Vibe Syndicate Management Limited is incorporated in England with No. 05957729 Registered office: 5th Floor, 90 Fenchurch Street, London, EC3M 4ST

Details about the extent of regulation by the Financial Conduct Authority (FCA) are available on request. These details can be checked on the FCA’s Financial Services Register via their website www.fca.org.uk or by contacting them on 0800 111 6768.

Part of the Financial Services Compensation Scheme (FSCS) and The Financial Ombudsman’s Service (FOS).

  • The insurer benefits from the financial strength from being a syndicate within Lloyd’s of London. Syndicate 5678 trades with the Lloyd’s ratings of A+ Standard & Poor's, AA- Fitch and A from 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).
  • Budget friendly, either pay monthly or a single annual payment.
  • Pay your take home salary within 30 days of your claim being agreed.
  • 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 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 Insurance Product Information Document and Policy for the full details.

Any complaint should be addressed to:

Customer Resolution Team

Riverside Underwriting Limited

Third Floor Riverside House

Maidstone, Kent ME14 1JH

Opening Hours: Mon - Fri 9AM - 6PM

Telephone: 0333 323 0090

International Telephone: +44 (0)333 323 0090

UK Call Centre: 0333 323 0090

Email Us: CRT@riverside-underwriting.co.uk

You may also refer this matter to the complaints team at Lloyd’s

Complaints Lloyd’s

One Lime Street

London EC3M 7HA

Telephone: 020 7327 5693

Fax: 020 7327 5225

E-mail: complaints@lloyds.com

Website: www.lloyds.com/complaints

Details of Lloyd’s complaints procedures are set out in a leaflet “Your Complaint - How We Can Help” available at www.lloyds.com/complaints and are also available from the above address.

Your complaint will be acknowledged, in writing, within 5 (five) business days of the complaint being made.

A decision on your complaint will be provided to you, in writing, within 8 (eight) weeks of the complaint being made.

Should you remain dissatisfied with the final response or if you have not received a final response within 8 (eight) weeks of the complaint being made, you may be eligible to refer your complaint to the Financial Ombudsman Service in the United Kingdom. The contact details are as follows:

Financial Ombudsman Service

Exchange Tower

London

E14 9SR

Telephone: +44 20 7964 0500 (from outside the UK)

Telephone: 0800 023 4 567 (from inside the UK)

Fax: +44 20 7964 1001

Website: www.financial-ombudsman.org.uk

If you have purchased your contract online you may also make a complaint via the EU’s online dispute resolution (ODR) platform. The website for the ODR platform is www.ec.europa.eu/odr.

The complaints handling arrangements above are without prejudice to your right to commence a legal action or an alternative dispute resolution proceeding in accordance with your contractual rights