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What is critical illness insurance?

Critical illness insurance is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy.

"Critical illness" is a life-threatening condition, which is generally strictly defined. Most critical illness policies provide for the payment of a lump sum benefit if the policyholder is diagnosed as suffering from one of a number of specified terminal illnesses.

Critical illness cover pays a tax-free lump sum if you're diagnosed with a defined critical illness during the policy term. Provided you keep paying your premiums, you should be covered throughout the term.

Critical illness cover is often available as a combined policy with term life insurance.



1. Who will make up the monthly income you now don't have?

2. Do you have investments you can draw on?

3. Can another family member contribute more?

4. Can a family member get a job?


List of 30 Critical Illnesses

1. Major Cancers

2. Heart Attack of Specified Severity

3. Coronary Artery By-pass Surgery

4. Stroke

5. Kidney Failure

6. Coma

7. Paralysis (Loss of Use of Limbs)

8. Heart Valve Surgery

9. Blindness (Loss of Sight)

10. Deafness (Loss of Hearing)

11. Loss of Speech

12. Multiple Sclerosis

13. Fulminant Hepatitis

14. Major Organ/Bone Marrow Transplantation

15 Primary Pulmonary Hypertension

16. Alzheimer’s Disease/Severe Dementia

17. Surgery to Aorta

18. Major Burns

19. Terminal Illness

20. HIV Due to Blood Transfusion & Occupationally Acquired HIV

21. End Stage Lung Disease

22. End Stage Liver Failure

23. Muscular Dystrophy

24. Parkinson’s Disease

25. Aplastic Anaemia

26. Angioplasty & Other Invasive Treatment For Coronary Artery (with partial payment only)

27. Bacterial Meningitis

28. Benign Brain Tumour

29. Viral Encephalitis

30. Motor Neurone Disease

Critical Illness Quotes

Critical illness life insurance will pay you a lump sum if you suffer a major illness or injury.
To protect yourself and your family, get a no obligation quote now.

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