Critical Illness Insurance
Support when a serious diagnosis turns life upside down.
A serious illness can affect more than your health — it can also place pressure on your income, family, and day-to-day life.
Critical illness insurance can provide a lump-sum payment if you are diagnosed with a covered condition, such as cancer, heart attack, stroke, dementia, or another major illness.
This support can help you cover treatment costs, take time away from work, manage household expenses, and focus on your recovery.
What critical illness insurance can help cover
Support for serious conditions that can have a major financial impact.
Critical illness insurance is designed to provide a lump-sum payment if you are diagnosed with a serious medical condition covered by your policy.
Depending on your provider and policy, cover may include a range of specified illnesses and conditions that can affect your health, income, and everyday life.
Covered conditions, definitions, exclusions, and waiting periods vary between policies. We can help you understand what may be included and what may be suitable for your needs.
Cancer
Many policies may include cover for specified types and stages of cancer, depending on the policy terms and definitions.
Heart attack
Some policies may provide cover for heart attack when the condition meets the policy’s medical definition.
Stroke
Stroke may be included where the diagnosis and lasting effects meet the conditions set out in the policy wording.
Dementia
Certain policies may include specified forms of dementia or serious cognitive decline, subject to the provider’s definitions.
Major organ conditions
Cover may extend to certain serious conditions affecting major organs, depending on the policy and its definitions.
Serious neurological conditions
Some policies may include certain neurological conditions where the illness is serious and meets the policy criteria.
Other specified serious illnesses
Policies often list a range of additional serious conditions that may be covered, depending on the product you choose.
How the payment can help
Use the support where it matters most.
Critical illness insurance usually pays a lump sum if you are diagnosed with a covered condition. This gives you flexibility to use the money in the way that best supports you and your family.
Take time away from work
The payment may help replace lost income while you focus on treatment, rest, and recovery.
Cover household expenses
It can help with everyday costs such as groceries, utilities, transport, and family needs.
Help with treatment and recovery costs
You may choose to use the money for treatment-related costs, recovery support, or extra care.
Reduce mortgage or debt pressure
A lump-sum payment may help reduce financial commitments at a time when income may be affected.
Support your family
It can provide financial breathing room for your partner, children, or other people who depend on you.
Make lifestyle adjustments
The payment may help fund changes at home, additional support, or adjustments needed after diagnosis.
How you use the payment is generally up to you. Policy terms, covered conditions, exclusions, and claim requirements vary between providers.
Benefits of Critical Illness Insurance
Financial breathing room during a serious health event.
A serious diagnosis can affect your health, income, family, and daily life. Critical illness insurance can help reduce financial stress so you can focus on what matters most.
Financial breathing room
A lump-sum payment can help ease financial pressure when your normal income or routine is disrupted.
Time to focus on recovery
With extra financial support, you may be able to take time to rest, recover, and follow your treatment plan.
Support for your family
The payment can help your family keep up with important expenses while you concentrate on your health.
Flexibility and control
Unlike cover that pays specific medical providers, a lump sum can usually be used where you need it most.
Help protect your home and lifestyle
The payment may help with mortgage repayments, rent, bills, or other commitments during a difficult period.
More confidence during uncertainty
Knowing you have support in place can help you and your family feel more prepared for the unexpected.
Contact us
Whether you have a question, an idea, or just want to say hello, feel free to reach out—we’re here to help.