Money when the diagnosis changes everything.
Critical Illness
Critical illness plans pay a lump sum if you are diagnosed with a covered condition such as cancer, heart attack or stroke. The payment is yours to use for treatment, travel, lost income or anything else.
What to understand
Covered conditions
Each policy lists exactly which diagnoses trigger a benefit — the list matters.
Lump-sum benefit
Paid once on diagnosis, in an amount you select at application.
Use it for anything
Deductibles, travel to treatment, household bills, a spouse's time away from work.
Limitations
Waiting periods, recurrence rules and pre-existing condition clauses apply.
Questions worth asking
- Which conditions are actually covered, and at what percentage?
- How long is the waiting period?
- How would a lump sum help me most?
- Does my employer already offer something similar?
Talk it through with Daniel
A no-cost consultation is the fastest way to find out which options actually fit your situation.