A client recently had her first child – her child was born with a cleft lip. To my surprise I thought this would be a relatively easy nip/tuck job at the hospital. This is not the case, she has private health care but will still be out of pocket between $7-10K.

Did you know that a Baby Care Option on your trauma insurance policy may protect your children from the first day of their pregnancy until the age of 2 including such things as a cleft lip and/or palate???

Having a child is one of the most exciting things your client can do. Though we all know that some pregnancies can be more complicated than others:

  • 1 in 10 women aged 20 to 29 experience pregnancy complications. For women aged 35 to 39, it’s almost 1 in 5. (15)
  • A woman aged 40 has a 1 in 60 chance of having a baby with Down’s Syndrome, compared to 1 in 1,500 at age 25. (15)

Additionally, in 2002-03, there were 68,000 children aged 0 to 14 who were hospitalised because of injury. (16)

A Baby Care Option can help you cope financially if you unfortunately experience pregnancy complications, give birth to a child with special needs or have an infant die between the ages of 30 days and 2 years.

This is an extra option that females aged 16 to 40 (expiry at age 45) can add to their trauma cover. This Baby Care Option can be added to your Trauma policy when you are planning to fall pregnant.

This Baby Care Option is payable after a 12 month waiting period and includes three built-in benefits to cover more pregnancy and birth related conditions:

  • Pregnancy complications – pays $50,000
  • Congenital abnormality – pays $50,000
  • Death – pays $10,000.

For more details about the specific conditions covered or how to you can apply for the Baby Care Option, please contact me and I will be happy to assist you.

15 ‘How age affects pregnancy’, BabyCenter Australia, 2008
16 ‘Year Book Australia, 2006’, Australian Bureau of Statistics


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