Children’s Critical Illness Support is a free benefit for Cirencester’s income protection (IP) customers. It provides a lump sum of £2,500 if the customer’s child is diagnosed with one of ten listed critical illnesses.
The ten critical illnesses covered are:
• Bacterial meningitis – resulting in permanent symptom.
• Benign brain tumour – resulting in either surgical removal or permanent symptoms.
• Cancer – excluding less advanced cases.
• Heart valve replacement or repair – with surgery.
• Kidney failure – requiring permanent dialysis.
• Loss of hand or foot – permanent physical severance.
• Major organ transplant – from another person.
• Open heart surgery.
• Third degree burns – covering 20% of the surface area of the body or 20% of the face or head.
• Traumatic brain injury – resulting in permanent symptoms.
The benefit is available to existing and new members of the society and is limited to one claim per member and is available until retirement or the contract ceases. It is a free benefit and offered to members that hold an income protection contract with the society. It is a discretionary benefit, which the Society can withdraw at any time. If a claim is made, the parent could also apply for a grant to the society’s 125 Foundation (also a discretionary benefit).
The child must be under age 21 and there is a 14 day survival period.