Coverage when it counts

Focus on your recovery knowing that you have money to help with your expenses if you’re diagnosed with a serious illness.

Who is it for?

Critical illness insurance can be suitable for anyone seeking financial protection to help cover the costs associated with recovering from a life-altering illness. It can also be suitable for those looking to protect loved ones in the event they experience a critical illness.

How does it work?
You receive the Tax-free lump sum payment. Once you have received the lump sum you are free to chose how to spend the money. The money can be used to help cover lost income, private nursing or to cover the cost of any out of country treatment. Critical illness is key to helping anyone so they can focus all their energy on recovering.

Who is it for?
A disability can strike anyone regardless of their age, gender or occupation. In this sense, anyone who earns an income could benefit from the added protection provided by disability insurance. In particular, those looking to help protect their family and other loved ones from possible financial disruption associated with suddenly becoming unable to work due to illness or injury would be appropriate for this insurance.

How does it work?
If you are unable to work due to an illness or injury and thus are unable to earn an income, you will receive a monthly payment. You might already have disability insurance through your employer, but you should be aware that this coverage may not meet all your needs. Individual disability insurance can provide you with more flexibility and can also help protect more of your earnings.



Coverage when it counts

Focus on your recovery knowing that you have money to help with your expenses if you’re diagnosed with a serious illness.

Tax-free payout
A one-time benefit payment that you can use for whatever you need.

Health experts
World-renowned specialists can help you and your family at any time for any condition.

Additional support
Get counselling and other services from professionals during your recovery.


What is critical illness insurance?

Critical illness can give you a tax-free payment if you’re diagnosed with a serious condition. Your contract will define which conditions you’re covered for, but some examples include cancer, heart attack or stroke.

How does it work?

• Choose the coverage amount you want.
• Pay your premium.
• File a claim if you’re diagnosed with a critical illness.
• Receive your payment. You may have to wait a set period of time depending on your condition.

It’s more than just a payout

Coping financially with an illness is just part of the picture. Having access to emotional support and medical treatments can help your recovery.

Expert medical help

Get access to the top 5% of specialists in their fields. They can:
• Provide a second opinion
• Help understand medical conditions
• Explain treatment options
• Help navigate the health care system

Additional support

You and your family can get professional help to deal with the impact of your illness. They can provide:
• Counselling services
• Family support services (child care, home care)
• Legal and financial consultations
• Nutritional advice

What happens if you don’t experience a critical illness?

You can add a return-of-premium benefit to your critical illness insurance policy. If you don’t experience a serious illness after as early as 10 years, you can choose to get your money back. If you choose this option your policy expires.