Critical Illness Insurance


Critical illness cover pays a tax-free lump sum if you’re diagnosed with a defined critical illness during the policy term. There is an additional feature called Return of Premium which means if the insured is never diagnosed with an illness by a certain age, all contributions made are refunded.

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Frequently Asked Questions

Critical illness insurance is a living insurance benefit. In the event of a diagnosis of a life-threatening or life-altering disease that are listed in the contract, the policy holder will then receive of a lump sum pre-determined benefit. The policy will end when the benefit is paid or when the policy expires.

A return of premium is a benefit paid that equals the amount (or percentage) paid into a policy. Critical illness provides the option to elect this option (rider). Should you not make a claim, you will have access within a particular stated time frame to all premiums (or percentage) that you have invested into the policy.

Obtaining approval for critical illness insurance after recovering from a life-threatening disease is possible but not guaranteed. There is likely to be a cost increase or exclusions to particular conditions if approval is received.

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