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Critical Illness Cover
A tax-free lump sum if you're diagnosed with a serious illness
Caveat
Insurance, made simple.
Conditions Covered
Critical illness cover typically includes 50+ conditions, including:
Cancer
Stroke
Kidney failure
Parkinson’s disease
Total permanent disability
Heart attack
Multiple sclerosis
Major organ transplant
Alzheimer’s disease
And many more conditions
Why Consider Critical Illness Cover?
Serious illness shouldn’t mean financial worry. Critical Illness Cover gives you breathing space when you need it most.
Tax-free lump sum
Use the payout however you need: mortgage payments, treatment, home adaptations or everyday living costs.
Financial breathing space
Focus on recovery without worrying about bills or mortgage payments
Can be combined with life insurance
Creating comprehensive protection for you and your family
Family protection
Ensure your loved ones are supported during difficult times
Common Questions
What is critical illness insurance?
Critical illness insurance pays a lump sum if you are diagnosed with a specified serious illness covered by the policy.
Is critical illness insurance worth it?
It can provide valuable financial protection if you are diagnosed with a serious illness, offering a tax-free lump sum when you need it most. Whether it is right for you depends on personal circumstances, budget, existing savings, and family medical history. Many people value the peace of mind it provides.
What illnesses are most commonly claimed for?
The most common critical illness claims are for cancer (around 60-70% of claims), heart attacks and strokes. Other frequently claimed conditions include multiple sclerosis, coronary artery bypass and benign brain tumours.
Can critical illness cover be combined with life insurance?
Yes. Many policies combine life insurance with critical illness cover into a single policy.
How is a critical illness claim assessed?
Claims are assessed against the policy definitions, not just the illness name.
Is critical illness insurance compulsory?
No. It is optional, but some people choose it to help protect their finances if they become seriously ill.
Get Comprehensive Protection
Talk to our protection specialists about critical illness cover.