Standalone cover
A critical illness policy separate from any life cover.
HEALTH & FAMILY
Critical illness cover. Explained.
Look at the definitions behind the list of conditions, not just the number of illnesses advertised.
Start with what you need covered.
Critical illness cover can pay a lump sum for an illness meeting a policy’s specified definition. It does not pay for every diagnosis or replace all lost earnings. Compare the condition wording, severity requirements and additional benefits with the practical purpose you want a payout to serve.
UNDERSTAND THE OPTIONS
Different arrangements. Different details.
Combined life and critical illness
Check how a claim affects the remaining life benefit and whether the policy ends.
Additional or partial benefits
Ask which less-severe conditions or family benefits receive a smaller payment.
BEFORE YOU CHOOSE
Four conversations worth having.
Definitions
What medical criteria must be met for each relevant condition?
Payment conditions
Are there survival periods, exclusions or other eligibility requirements?
Combined cover
Would a critical illness claim reduce or end the life cover?
Children and extras
Who qualifies, what are the limits and are additional benefits included?
Compare an actual offer
These are research prompts, not a quote or a recommendation. Ask an insurer or authorised broker to explain the accepted policy, its exclusions and your own circumstances. Product features vary.
Sources & further reading
Checked 26 September 2026. Policy terms and source ratings can change.
See how cover connects.
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