Critical Illness Insurance will pay out a lump sum in the event that you are diagnosed with a major medical condition, such as cancer, heart attack, or stroke, or if you need an organ transplant. These payouts can provide financial relief for the many additional costs that can accompany a major illness - not just medical bills, but lost wages and other unexpected expenses such as childcare or household assistance.

How Critical Illness Insurance works to help you:

• Affordable premiums: You choose the coverage you need that fits your budget.
• Payout upon diagnosis: Using funds immediately, rather than waiting until the bills come in.
• Financial flexibility: Use the money however you see fit.
• Tax-free money: Payout amounts are not taxable, so the entire amount is yours.

Combine plans for increased coverage

A Critical Illness plan can stand alone for 'just-in-case' protection, or can be useful alongside your standard medical insurance to cover expense gaps and coverage limits. You can also pair it with an Accident plan so you're covered no matter what the cause of your next medical emergency.

Critical illness insurance provides additional coverage for medical emergencies like heart attacks, strokes, or cancer.

High deductible plan

The annual out of pocket maximum of your health plan is more than you can afford.

Family medical conditions

Family history of any of the covered critical conditions may mean you are at a higher risk.

Insufficient savings

Inability to pay poses a major financial risk if you lose income due to a serious illness.