Our member plus children plan provides comprehensive coverage for one adult, with an age limit of 94 years. This plan also extends coverage to up to three children, irrespective of whether their surnames match the main policyholder’s, as long as they are under the age of 24 and actively engaged in full-time studies. A standard 6-month waiting period applies to most policy benefits. However, it’s important to note that there is no waiting period for accidental death, as long as the initial premium has been fully paid. This feature ensures immediate coverage and support in the event of an accidental death.