Terminal Illness Cover.

Terminal Illness Cover (TIC) is included at no extra cost for policies with a term of two years or more and lasts until 18 months before the policy ends. 

It means your policy could pay out a lump sum upon diagnosis of a terminal illness, rather than when you die. 

Terminal illness is also one of the 39 illnesses covered under the critical illness cover that you can add to any of our life insurance polices.

• By terminal, we mean: 'suffering from an advanced or rapidly progressing incurable illness.
• The policy will pay out a terminal illness claim when in both the opinion of an attending consultant and our Medical Officer, your life expectancy is less than 12 months.
• You'll need to be eligible to claim so, for example, if you've stopped paying your premiums, your policy may not pay out.
• This cover is not available during the last 18 months of your policy and is only available on plans with a term of at least two years.
• Once a terminal illness claim has been accepted, no further claims can be made. No premiums will be payable either and the policy will end.
• If, after a terminal illness claim has been accepted, you survive to the end of the term; you will not have to pay back the terminal illness payment received. However, once the payment has been received, the plan will end and no further claims can be made.