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Critical illness cover
Critical illness cover pays out a tax-free lump sum if you are diagnosed with one of the specified serious illnesses covered by the policy, such as cancer, heart attack or stroke.
What it covers
- A lump sum on diagnosis of a specified critical illness
- Income replacement while you recover
- Adapting your home or paying for private treatment
- Settling debts or covering household bills
Who it's for
- People with limited savings who would struggle if unable to work
- Families who rely on a single income
- Those wanting extra protection alongside life cover
- Self-employed workers without employee benefits
Pros
- Provides financial support while you are still alive
- Can be combined with life insurance
- Payout can be used however you need it
Considerations
- Only covers illnesses listed in the policy
- Pre-existing conditions may be excluded
- Premiums increase with age and health risks
Ready to protect your nest egg?
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