For Individuals we will cover you, and if appropriate your spouse or partner residing with you, under this policy if you and your spouse or partner:
* Subject to payment of the required premium by you, your children can be added to this policy once they have become three years old and until they reach the age of 18 years old (or twenty-five years old if they are in full-time education). Benefits for children under the age of 18 are reduced by 50%.
It is a condition precedent to our liability under this insurance contract that the following matters, in relation to all persons in respect of whom you wish us to provide you with cover under this policy, are true and accurate: