Critical Illness Cover

Insurance providers are changing their definitions to include more critical illnesses than before. They are also providing partial pay outs for less serious illnesses or traumas such as blindness or deafness, loss of limbs or illnesses requiring surgery.

When diagnosed with a critical illness, leaving work to spend time with family is often considered. The lump sum payment from a critical illness policy can be used to replace income, pay off mortgages and debts and leave you financially secure so that you can focus on the most important thing, recovery.

But this is no longer ‘It’ when it comes to critical illness insurance cover.

There are now options to provide cover for your children under your policy. This means a payment should your child become critically ill, allowing for care expenses, time off work and the costs of long hospital stays, thus greatly reducing the financial burden of a sick child. These policies often include a small sum assured for the death of a child that will cover them through higher education until they are eligible for their own policy.

Life and critical illness insurance companies are also now providing second medical opinion services and sometimes even global treatment to ensure you are being treated correctly and by the best doctors in that particular field. They are also giving access to specialist treatment nurses to provide in-home care for you and your family.

This means you can solely focus on getting better, knowing your expenses are covered.

FOCUS can guide you through you needs, and recommend a life insurance and critical illness cover policy that suits your lifestyle to ensure that, no matter what happens, you and your family’s financial needs are taken care of.

The policy may not cover all the definitions of a critical illness. For definitions please refer to the key features and policy document.