Financial breathing space after a qualifying diagnosis
A serious illness can change household plans. Critical illness cover is designed to pay a lump sum if a condition or procedure meets the policy’s specified definition and claim requirements. It does not cover every illness or diagnosis.
Look beyond the number of conditions
Policy wording determines which conditions qualify, the required severity and any exclusions. A diagnosis alone may not satisfy the definition. Survival periods or other requirements can apply, and policies differ.
- Which conditions and medical definitions are covered?
- What is excluded or restricted?
- Are there additional or partial benefits, and how do they affect the main cover?
- What happens to any linked life cover after a claim?
Match the cover to the financial need
A qualifying payment could help with a mortgage, household costs or adapting to changed circumstances. Think about the amount needed, the period of cover, existing benefits and an affordable ongoing premium. No specific benefit or outcome is promised here.
Different from life cover and income protection
Life cover addresses death while insured. Income protection can provide regular benefits for qualifying inability to work. Critical illness cover focuses on specified conditions. One does not automatically replace the others.
Health information and existing policies
Answer insurer questions accurately and check any individual terms. Do not cancel an existing policy before understanding a replacement. Please use an agreed secure process for medical information; no health details are required to start a general conversation.
General information, not a personal recommendation. Cover, premiums and claims depend on insurer assessment, policy terms, limitations and exclusions.