OnePath OneCare Child Cover

Receive up to $150,000 in Child Cover for serious illnesses with OnePath

When a child contracts a serious illness, it is not just the child but the whole family that feels the strain. Financial strain is one of the key effects of this type of situation, as changes may need to be made in order to adapt to the child's needs such as adaptations to the home or a parents having to reduce working hours, take time off, or even give up work.

With this in mind, it is advisable to have some form of financial protection in mind for backup in the event that your child does fall victim to serious illness. One type of cover plan that pays out a benefit in the event that your child dies or contract one of a number of specified illnesses is OnePath OneCare Child Cover.

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Coverage is the amount of money that you will be paid in the event of a claim. An insurance consultant can help you determine an appropriate amount. Calculator
Provides a lump sum payment if you become totally and permanently disabled and are unable to return to work.
Provides a lump sum payment if you suffer a serious medical condition. Cover can be taken out for 40-60 medical conditions depending on the policy you choose.
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What does the policy cover?

Some of the key points to remember about the OnePath OneCare Child Cover plan include:

  • Taken out as an addition to another cover policy: The OnePath OneCare Child Cover must be taken as a bolt on with any other OneCare cover plan, as it is not a standalone policy.
  • Age: The minimum entry age for the OnePath OneCare Child Cover is two while the maximum entry age is 15. The age at which the plan expires is 21.
  • Cover levels: You can choose from a range of coverage levels for the OnePath OneCare Child Cover plan, with the minimum sum insured standing at $10,000 and the maximum at $150,000

Conditions Covered by the OnePath OneCare Child Cover

The OnePath OneCare Child Cover plan pays out a benefit in the event of your child's death while covered by the plan. However, it also pays out a benefit if your child is diagnosed with one of 18 serious health conditions. This includes but is not limited to:

  • Cancer
  • Benign brain or spinal tumours
  • Blindness or deafness
  • Chronic kidney disease
  • Loss of speech
  • Limb loss or paralysis
  • Stroke
  • Diagnosis of terminal illness

Why Consider OnePath OneCare Child Cover?

There are many reasons why parents should consider taking out OnePath OneCare Child Cover alongside another OneCare cover plan. The benefit from this policy could help parents in the event of the death or serious illness of their child and could help the child in the event that he or she contracts a serious illness.

The money paid out from this cover plan can be used for a variety of things, including covering additional spend or financial losses that parents may experience as a result of the situation.

Some of the reasons why parents may want to consider OnePath OneCare Child Cover include:

  • Peace of mind for the future: While your priority will be to ensure your child enjoys a long, healthy and happy life, having OnePath OneCare Child Cover will enable you to benefit from the peace of mind that you have financial backup available in the event your child dies or is diagnosed with a serious illness.
  • Financial security to cope with change: The financial payout and security that comes from this benefit will enable you to more easily cope with change. This includes change stemming from having to take time off work as the parent, having to give up work to care for your sick child, having to make changes to the home, and even to pay for funeral costs in the event of your child's death.
  • Improving quality of life for your child: Depending on the nature of your child's illness, changes in many areas may have to be made in order to improve quality of life. This could include changes to improve mobility for your child amongst other things. The money you get from this insurance can help to fund this as well as to fund better quality medical treatment to further improve quality of life.

With a lump sum payment of up to $150,000 payable on a claim, based on the amount of coverage you take out, you can make many positive changes as a result of the policy payout. You can afford to ensure high quality medical treatment and you can afford to take some time out from work in order to support and look after your child.

It is also worth bearing in mind that once your child reaches the age of 21 there is the option of turning the OnePath OneCare Child Cover into OneCare Life Cover with Optional Trauma plan. This means that protection for your child can continue, albeit in a different way.

What won't the policy cover?

Just like with any other type of insurance cover, OnePath OneCare Child Cover will also not pay claims in certain circumstances. These circumstances include:

  • if the claim arises from an intentional act or omission of the child, their parents, you, or someone else who happens to live with or supervise the child
  • if the claim arises from a congenital condition. In other words, this means if a claim is related to a condition that is present at birth as a direct result of either hereditary or environmental factors.

In addition, under OneCare Child Cover, a 90-day qualifying period applies to certain trauma conditions, such as stroke and cancer.

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William Eve

Will is a personal finance writer for specialising in content on insurance. While he cannot give personal advice to clients, Will enjoys explaining the intricacies of different types of protective cover to help individuals and businesses find affordable cover that won't leave them underinsured.

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