Critical illness insurance pays a lump sum, tax-free benefit in the event you are diagnosed with any of a specified list of critical illnesses such as cancer, stroke, or heart attack.  Some policies even return all of your premiums after 15 years if you haven't made a claim.

Critical illness insurance covers conditions such as:

  • Alzheimer's disease
  • Aortic surgery
  • Aplastic anaemia
  • Bacterial meningitis
  • Benign brain tumour
  • Blindness
  • Coma
  • Coronary artery bypass surgery
  • Deafness
  • Heart attack
  • Heart valve replacement
  • Kidney Failure
  • Life threatening cancer
  • 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
  • Severe burns
  • Stroke