Information you need to know.

Critical Illness Cover is an important financial safety net. It’s designed to pay out a fixed cash amount if you're diagnosed with one of the critical illnesses covered during the policy term. You should read the Key Features Document PDF and Policy Terms and Conditions PDF carefully before buying a policy. 

This product is a Level Term Assurance policy with Critical Illness Cover included. This means that the plan will provide a cash sum to help you and your family financially if you were to die, or be diagnosed with a  terminal illness or specified critical illness within the policy term.

• Critical Illness Cover is designed to pay out on diagnosis of a specified critical illness including cancer, heart attack and stroke. However because of advances in medicine, not every type of cancer will have a severe impact on your lifestyle if discovered and treated early enough, for example, a cancer needs to have spread or reached a specified severity to be covered.  
• It's essential that you give us all the information we ask for during the application and that it's accurate. If you fail to mention something like a medical condition, for example, we may not pay out in the event of a claim.
• These policies are not investment products. If you stop paying the premiums at any time, your cover will end 30 days after your first missed premium and you will not get any money back.
• The policy will end if we pay out the lump sum (either on death or diagnosis of a critical illness). If this amount has not been paid out by the end of the term, the policy will end and you'll get nothing back.
• When you take out cover, you must tell us if any of the following change between completing your application and when your plan starts:
  • medical disclosures
  • family history
  • occupation
  • travel or residence 
  • pastimes
  • alcohol consumption
  • start smoking
  • use of recreational drugs

• If you don't tell us about changes to any of the above, it could mean your policy won't pay out and we may need to cancel your policy.

Full definitions of the illnesses covered and the circumstances in which you can make a claim are given in our Guide to Critical Illness Cover PDF.