Frequently asked questions

Cancer, paralysis, major organ failure on waiting list, major organ transplant, kidney failure, bacterial meningitis, aplastic anemia, loss of independent existence, blindness, deafness, loss of speech, coma,severe burns, benign brain tumour, stage 1A malignant melanoma, multiple sclerosis (affecting young adults).

Autism, Cystic fibrosis and Rett’s syndrome. Three additional childhood illnesses can also be added: Cerebral palsy, Muscular dystrophy and Type 1 diabetes mellitus.

The first signs of autism and Rett syndrome show up before the age of 3. On rare occasions the disease may be diagnosed later, but these cases are much less severe and are more associated with delayed development.​​​​​

Yes, cystic fibrosis is hereditary. For a child to inherit the disease, both parents must carry the CF gene. Parents who carry this gene do not have cystic fibrosis, they are simply the carriers. The disease can be transmitted to children only if the other parent is also a carrier. The child of parents who are both CF carriers has a 25% chance of having the disease, a 50% chance to not have the disease but carry the CF gene, and a 25% chance to be free of the disease and not be a carrier.

Type 1A diabetes may appear at any age, but it is most often diagnosed in children and young adults, as its former name "juvenile diabetes" suggests.

Health Priorities - Child is permanent critical illness insurance. It covers the child throughout his lifetime and therefore continues after age 18. However, after age 18 those childhood diseases like autism, Rett syndrome, cystic fibrosis, type 1A diabetes, cerebral palsy and muscular dystrophy are no longer covered.​​

The policyholder, who must submit a written request to the company if he wishes to receive the premium refund available as of the policy's fourth anniversary.

This is a tax rule. Given that Health Priorities - Child includes a refund of premiums at maturity., Therefore the amount for critical illness coverage must be higher than the life insurance amount for the contract to remain an accident-health insurance contract.​​​

​​The parents, grandparents, godfather, godmother, uncle, aunt, brother or sister. The policyholder must be aged 18 or over.

We consider only the critical illness coverage, whether for individual or group insurance.

For amounts exceeding $100,000, the critical illness coverage should not exceed 50% of the mother's OR the father's coverage.

Yes, but only if the child's insurance amount exceeds $100,000. In short, it's the standard rule that applies.

No.​​​

This rule is in place to avoid cases of antiselection. On the other hand it's quite logical, because if there is a need for one child, the same need is just as valid for the brothers and sisters.​​

In general, we must insure all the children for the same amount. If this is not the case, an explanation must be provided in the application and underwriting will assess the matter case by case.​​​​

​No, all children must have the same insurance amount at the time the contract is issued. If other children are born later, the parent is not obliged to insure them.​​​

In general, all the children who have the same mother and the same father would have to be insured for the same amount.​​​

If the child is rejected strictly because of family history, then all the children with the same family history will also be rejected. On the other hand, if the child is rejected because of a health problem, then the situation will be assessed on a case-by-case basis, and there is no indication that the other children will be automatically rejected.​​​