Term Life Insurance
A fixed amount for a fixed number of years, at the lowest cost per dollar of cover.
Read more →Life & Health
Critical Illness
A lump sum on diagnosis of a covered condition, paid directly to you.
What this cover does
Health cover pays the hospital. It does not pay the mortgage while you are off work, the travel to a specialist centre, or the adaptations a house may need. Critical illness pays a lump sum on diagnosis, with no restriction on how it is spent.
Typically included
- Lump sum on diagnosis of a covered condition
- Cover typically including heart attack, stroke, cancer, organ failure and major transplant
- Benefit paid regardless of other cover in place
- Partial benefits for early-stage conditions on some contracts
Common add-ons
- Multiple-claim versions that reinstate after a claim
- Child cover riders
- Return-of-premium options
- Cancer-only or heart-and-stroke-only plans at lower cost
Questions
What people ask about critical illness
How is this different from disability cover?
Critical illness pays once, on diagnosis, regardless of whether you can work. Disability pays monthly, only while you cannot work. They solve different problems and work well together.
What exactly counts as covered?
Each contract lists its conditions with precise medical definitions — a cancer must reach a stated stage, a heart attack must show stated markers. We go through the schedule with you before you buy, because that list is the policy.
Often taken together
Related cover
Whole Life Insurance
Permanent cover with a guaranteed death benefit and a cash value that builds.
Read more →Quote Critical Illness
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.