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Critical Illness Cover

Critical Illness Cover

Critical illness cover is an insurance policy that pays out a tax-free lump sum if you are diagnosed with a condition that is listed on your policy. 


The critical illness cover provider that you choose will have a specific list of illnesses that are covered. If you are diagnosed with any of the conditions on that list, then your critical illness cover will usually payout. If you get an illness that is not on the list, you will not receive a payout.   

The illnesses covered are most often serious illnesses,  such as cancer, heart attack or stroke.  A policyholder is typically paid out a lump sum once their life-threatening condition has been diagnosed by a medical professional.  Checking the policy wording is therefore absolutely essential as different policies cover for different critical illnesses and some pay out sooner, some later. 

The lump-sum payout can provide valuable financial support and could be used to pay household bills, cover loss of earnings or pay for private medical treatment. 

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