13. Optional Total Permanent Disablement condition The Optional Total Permanent Disablement condition applies only if shown in the schedule and, subject to the provisions of this appendix , is included as a severity level 1 condition within the Loss of Function category . The Optional Total Permanent Disablement condition will cease to apply, and premiums for this condition will cease, following any severity level 1 claim payment. Premiums for the Optional Total Permanent Disablement condition will not be affected by a claim payment for a condition of any other severity level. The Optional Total Permanent Disablement condition does not apply to any child of a life assured covered under the Built-in Children’s Trauma Benefit or the Optional Children’s and Maternity Benefit.
You will need to provide evidence of the transport costs satisfactory to us before a claim under the Return Home Benefit will be paid. In total the maximum we will pay over the life of the policy under the Return Home Benefit is $10,000. A Return Home Benefit is paid in addition to the Progressive Care Benefit. No payment will be made if the life assured is covered for the same event with a travel insurance provider.
11. Built-in Parents Grieving Benefit
When is a Parents Grieving Benefit payable?
Sovereign will make a Parents Grieving Benefit payment if:
a child of a life assured dies prior to birth but after at least 24 weeks gestation; or
The Optional Total Permanent Disablement condition is only available before the life assured attains age 65.
a child of a life assured dies. Sovereign will not make any payment if the death occurs within 12 months of the risk commencement date except where it is an accidental death.
14. Optional Children’s and Maternity Benefit
The Optional Children’s and Maternity Benefit applies only if shown in the schedule .
This Parents Grieving Benefit ceases on the child’s 21 st birthday.
The benefit is payable in addition to any benefit payable under the Built-in Children’s Trauma Benefit or the Built-in Newborn Children’s Benefit.
How much will Sovereign pay for the Parents Grieving Benefit?
The Benefit payable:
a.
Children’s Critical Conditions Benefit
if the child is under 10 years of age Sovereign will pay a maximum of one claim of $2,000 per child under the Parents Grieving Benefit across all Sovereign policies and AIA policies ; or if the child is 10 years of age or over Sovereign will pay a maximum of $15,000 per child across all Sovereign policies and AIA policies for a life assured . Payment of the Parents Grieving Benefit will not reduce the sum assured of the Progressive Care Benefit for the life assured .
What is the Children’s Critical Conditions Benefit?
Sovereign will pay a Children’s Critical Conditions Benefit if a child of a life assured suffers a condition of severity level 1, 2, 3, 4 or 5, except for the Optional Total Permanent Disablement condition .
This Benefit is only payable if the child of the life assured :
first suffers a condition after the risk commencement date , and subject to the stand down period provisions where these apply; is aged from three months up to their 21 st birthday at the time he or she first suffers from that condition ; and
12. Built-in Counselling Benefit
survives for at least 14 days after suffering from the condition .
The Counselling Benefit covers the cost of a Psychiatrist or Psychologist consultation and/or counselling for the life assured and/or a close relative of the life assured where the support treatments and/or consultations directly relate to a claim under the Progressive Care Benefit. After referral by an appropriate specialist Sovereign will reimburse up to $2,500 including GST (in total) per life assured , subject to the following conditions: The consultation and/or counselling must be paid for within 12 months following Sovereign paying the Progressive Care claim; and Sovereign must be provided with a receipt for the consultation and/or counselling being claimed. The $2,500 including GST (in total) is payable once per life assured per policy. This is in addition to the sum assured .
Sovereign will pay a maximum of one claim per child under the Children’s Critical Conditions Benefit across all Sovereign policies for a life assured. In cases where two policies each name a distinct parent of the child as a life assured, both policies are eligible to claim under the Children’s Critical Conditions Benefit for that child, provided the Optional Children’s and Maternity Benefit is shown in the schedule of both policies.
How much will Sovereign pay for the Children’s Critical Conditions Benefit?
The Benefit payable is the lower of $75,000 or 50% of the sum assured .
Before cover for a child can commence under the Children’s Critical Conditions Benefit, you must advise us in writing of the child’s name, date of birth and gender.
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866 TCB-PC version 12 Effective 12 May 2026
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