Harmony New Generation (HNG) is an individual critical illness traditional insurance for children. Upon diagnosis of a critical illness covered by our contracts, the parent (policyholder) receives a lump sum payment that can be used to stay by their child's side. Harmony New Generation also provides a refund of premiums for children that are not diagnosed with a critical illness which can allow them to realize their dreams and aspirations.

This coverage has been specially designed to be paired up with one of our life insurance coverages for children: Life 20, Flex 20, Term 20, Guaranteed Whole Life or Max Life. The combination of life insurance and critical illness insurance allows you to provide your clients with the best possible coverage to protect a family's financial security.

This coverage also gives access to the Prompt Recovery assistance services, which includes Best Doctors.

In addition to the 25 illnesses covered by our Harmony contracts, Recovery Cash Advance Diagnosis and Treatment, and serious complications caused by 4 infectious diseases, Harmony New Generation covers 6 other childhood diseases.

Childhood diseases
 

• Autism
• Rett's syndrome
• Cystic fibrosis

Optional:

• Type 1 diabetes
• Cerebral palsy
• Muscular dystrophy
  

Insurable Illnesses

Harmony insurance is a health benefit in a single lump sum if the client survives the diagnosis of one of the following illnesses by 30 days:
  

• Cancer
• Heart Attack (Myocardial Infarction)
• Stroke
• Multiple Sclerosis
• Alzheimer Disease
• Paralysis
• Coronary Artery Bypass
• Kidney Failure
• Parkinson Disease
• Major Organ Transplant and Major Failure on Waiting List
• Motor Neuron Disease
• Bacterial Meningitis
• Aortic Surgery
• Heart Valve Replacement
• Aplastic Anaemia
• Loss if independence
• Blindness
• Deafness
• Major Burns
• Loss of Speech
• Coma
• Benign Brain Tumour
• Dismemberment
• Occupational HIV Infection
    

Recovery Cash Advance
The critical illnesses shown below are eligible for the Recovery Cash Advance. The benefit payable is equal to 10% of the sum insured.
  

• Early Prostate Cancer
• Ductal Carcinoma in situ of the Breast
• Stage 1A Malignant Melanoma
• Coronary Angioplasty
    

Serious effects caused by these 4 infectious diseases
 

• West Nile Virus
• Lyme disease
• E.coli infection
• Necrotizing fasciitis