Reduce the financial burden of getting a critical illness and get the time to recover
Getting sick isn’t something any of us like to think about. But it happens.
The good news is, thanks to improvements in healthy living and medical advances, there’s a good chance you will recover and get on with your life.
But getting better costs money.
What is Critical Illness Insurance?
Typical Covered Conditions
Get your Premiums Back
What is Critical Illness Insurance?
Treating and coping with an illness can mean significant and often unexpected costs.
It is designed to help you with the unexpected. It can provide a cash benefit if you’re diagnosed with one of the conditions defined in the contract and satisfy the waiting period. This can give you the financial freedom to focus on what really matters … getting better.
You can use the money to help you:
• Find the best health care available – anywhere, through our Health Service Navigator
• Hire a nurse or caregiver to help you at home
• Make mortgage payments
• Replace lost income
• Reduce your workload to help you recover
Sample Quote
From $17.69
Age: | 35 |
Gender: | Male |
Coverage Amount: | $50,000 |
Term: | 20 Years |
Qualification: | Non-Medical |
Covered Conditions: | 4 |
Typical Covered Conditions
Conditions:
- Aortic Surgery
- Aplastic Anemia
- Bacterial Meningitis
- Benign Brain Tumour
- Blindness
- Cancer (Life Threatening)
- Coma
- Coronary Artery Bypass Surgery
- Deafness
- Dementia, including Alzheimer’s Disease
- Heart Attack
- Heart Valve Replacement or Repair
- Kidney Failure
- Loss of Independent Existence
- Loss of Limbs
- Loss of Speech
- Major Organ Failure on Waiting List
- Major Organ Transplant
- Motor Neuron Disease
- Multiple Sclerosis
- Occupational HIV Infection
- Paralysis
- Parkinson’s Disease and Specified Atypical Parkinsonia
- Severe Burns
- Stroke
The contract contains specific definitions and exclusions for the insured conditions. The Coverage Amount is
not payable unless the Life Insured meets the definition of being diagnosed with an insured condition and
survives the applicable waiting period. The Coverage Amount is only paid upon the first definite diagnosis of
an insured condition. Once the Coverage Amount is paid, the coverage terminates. Please refer to the
contract for further details.
Sample Quote
from $27.09
| Age: | 35 |
| Gender: | Male |
| Coverage Amount: | 50,000 |
| Term: | 20 Years |
| Qulification: | Non-Medical |
| Covered Conditions: | 25 |
| Return of Premium On Surrender/Maturity: | Yes |
Get your Premiums Back
If the CI Protect Plus coverage is surrendered after the later of the 15th anniversary of the coverage and insurance age 60 of the Life Insured, this rider will provide the policy owner with a lump sum payment equal to a percentage of the premiums paid for the CI Protect Plus coverage and Return of Premium rider and, in some cases, the policy fees paid.
The percentage will reach 100% at the expiry of the CI Protect Plus coverage. The Return of Premium Rider will be reduced if the Sum Insured for the CI Protect Plus coverage is reduced.
Please refer to the contract for details.
Sample Quote
from $52.92
Age: | 35 |
Gender: | Male |
Coverage Amount: | 50,000 |
Term | Till age 75 |
Qualifications | Non-Medical |
Covered Conditions: | 25 |
Return of Premium On Surrender/Maturity: | Yes |
Do you need Critical Illness Insurance?
You may be strong and healthy, and you may think that you can beat any critical illness that comes your way.
And you may be right. In fact, illnesses that would have ended in death just a few years ago are now being treated and even cured.
While that’s good news, living through a critical illness and surviving it can cause financial stress for many people.