Child Critical Illness Insurance

Eligible Child

Child must be under the age of 23 or under 25 years of age (unmarried and financially dependent) and attending school full time or is suffering from a functional impairment.


Flat $10,000 benefit available

Monthly premiums = $5.39 for $10,000

Additional Insured Conditions

The term, conditions, and covered illnesses will match what is covered for members and spouses, as well as Cerebral Palsy, Congenital Heart Disease requiring surgery, Cystic Fibrosis, Down Syndrome, serious mental impairment, severe brain injury, Spina Bifida Cystica and confirmed diagnosis of Muscular Dystrophy

Limitations and Exclusions

Muscular dystrophy must be characterized by well-defined neurological abnormalities. Diagnosis must be made by a specialist and confirmed by electromyography and muscle biopsy before the child's 24th birthday.

Type 1 diabetes must be characterized by absolute insulin deficiency and continuous dependence on exogenous insulin for survival. There must be evidence of dependence on insulin for a minimum of 3 months. Diagnosis should be confirmed by a specialist before the child's 24th birthday.

Waiver of Premium

Premiums will be waived retroactively after six months of total disability of the main insured.


Aligns with termination age for memberą Critical Illness or the definition of dependent child outlined on page 3.

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