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Critical Illness Cover
A tax-free payout if you're diagnosed with a serious illness
Conditions Covered
A serious illness can happen to anyone at any time. Critical Illness Cover provides you with a tax-free lump sum if you’re diagnosed with a specified condition, helping you focus on recovery while protecting your finances, home, and family.
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 security 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
Critical Illness Insurance FAQs
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’re diagnosed with a serious illness, offering a tax-free lump sum when you need it most. Worth 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, 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