You can enjoy a 10% perpetual discount on the total premiums under the policy (including all riders, if applicable) for a person insured, if no claim has been admitted under the policy for three consecutive policy years for that person insured. The NCD will be applied automatically from the next policy anniversary, as long as the policy is renewed yearly.
For avoidance of doubt, if you and your children are insured under the same policy, each person must qualify separately for the NCD.