What is Individual Critical Illness Insurance:

Critical illness insurance, otherwise known as critical illness cover, is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the predetermined specific illnesses mentioned under the policy.

Examples of illnesses that are covered under the policy include

  • Heart attack
  • Coronary artery bypass
  • Stroke
  • Multiple sclerosis
  • Parkinson’s disease
  • Paralysis of limbs
  • Kidney failure
  • Major organ transplant
  • Chronic end stage liver failure
  • Permanent blindness
  • Cancer in situ

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