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Critical illness cover is a type of insurance that provides financial protection in the event you are diagnosed with a severe medical condition or critical illness listed in the policy. If you are diagnosed with one of the covered illnesses during the policy term, you receive a lump-sum payment from the insurance provider.


Key points about critical illness cover:


1. Coverage: Critical illness policies typically cover a range of serious medical conditions, such as cancer, heart attack, stroke, multiple sclerosis, and organ transplant, among others. The specific illnesses covered vary depending on the policy.

2. Lump Sum Payment: If you are diagnosed with a covered critical illness and survive a specified waiting period (usually 28 days), the policy pays out a lump sum amount that you can use as you wish. This payment can help cover medical expenses, treatment costs, or any other financial needs during your recovery.

3. Standalone or Add-On: Critical illness cover can be purchased as a standalone policy or as an add-on to a life insurance policy. When added to life insurance, it is usually called a "critical illness rider" or "accelerated critical illness benefit."

4. Premiums: The cost of critical illness cover depends on various factors, including your age, health status, coverage amount, and the number of illnesses covered. Premiums may increase with age or if you have pre-existing health conditions.

5. Exclusions: Critical illness policies have exclusions, meaning they won't pay out for certain pre-existing conditions or illnesses not specified in the policy.

Before making any decisions, contact one of our dedicated advisers today, they will be able to carefully review your circumstances to ensure it aligns with your needs and budget. Consider your health history, family medical history, and financial situation to determine if critical illness cover is a suitable addition to your overall insurance plan.


As with all insurance policies, conditions and exclusions will apply. The cost of this insurance depends on several factors, such as your age, where you live, and your occupation. As a result, the cost you will pay is based on your own circumstances.

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Critical Illness

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