Insurance
Critical Illness Cover
A serious diagnosis changes everything. Critical illness cover pays out a tax-free lump sum if you are diagnosed with a specified condition — giving you financial breathing room to focus on what matters most: your recovery.
What is the main reason you're considering critical illness cover?
What you need to know
How critical illness cover works
Diagnosed, Not Deceased
Unlike life insurance, critical illness cover pays out while you are still alive — giving you financial support to focus on recovery.
Tax-Free Lump Sum
The payout is entirely tax-free and can be used however you choose — to clear the mortgage, adapt your home, or cover living costs.
Broad Conditions Covered
Policies typically cover cancer, heart attack, stroke, multiple sclerosis and many other serious conditions — over 50 in some cases.
Children's Cover
Many policies automatically include cover for your children at no additional cost, providing a payout if a child is critically ill.
Waiver of Premium
An add-on that keeps your policy active even if you cannot afford premiums due to illness — so your cover does not lapse when you need it most.
Standalone or Combined
Critical illness can be taken as a standalone policy or combined with life insurance — the right structure depends on your priorities and budget.
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