Information you need to know.

• Critical Illness Cover is designed to pay out on diagnosis of a specified condition including cancer, heart attack and stroke. Not all types of cancer are covered under critical illness plans. Because of advances in medicine not every type of cancer will have a severe impact on your lifestyle, if 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 a medical condition, for example, we may not pay out in the event of a claim.
• These policies are not savings or investment products and have no cash value unless a valid claim is made.
• If you stop paying the premiums before the end of your policy, your cover will end after 30 days and you will not get anything back.
• The policy will end if we pay out the lump sum (either on death, terminal illness 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 apply you need to answer the questions we ask you fully, honestly and accurately. Please don't assume that we'll contact your doctor. It's your responsibility to fill in the application accurately.
• You need to let us know if any of the information you gave us in your application changes before the plan starts.

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 (PDF: 908KB) .