Critical illness cover is a type of insurance that pays out a tax-free lump sum if you're diagnosed with, or undergo surgery for, a critical illness that meets our policy definition during the policy term and survive at least 10 days.  It's designed to help support you and your family financially while you deal with your diagnosis – so you can focus on your recovery without worrying about how the bills will be paid.

 

Critical Illness cover can be set up on a decreasing or level basis.  This means that the amount of cover you have can either reduce (decreasing cover) or the amount you are insured for remains the same throughout the policy (level cover).

 

1 in 2 of us will be diagnosed with a Critical Illness in our lifetimes.  This is not a statistic to be understated.  Some of the policies also protect our children so if they were ever diagnosed with a critical illness, there would be a lump sum paid out you as the parents which would not affect the cover you have in place.