We want to provide better outcomes for your clients, so we've also added additional conditions for early forms of cancer to the definitions we cover.
To help protect against the effects of inflation,your clients can choose to increase the amount of cover over the term of their plan in one of two ways:
Your clients can reduce the amount of cover over the term of their policy in two ways:
If your clients are getting married, increasing their mortgage or becoming a parent, they can increase their cover within certain limits without providing any medical evidence.
However, if they want to increase the amount of their cover for any other reason, or by more than the specified limits, they may need to supply medical evidence.
Claims for critical illness cover can be made from any country, however we might need the person covered to return to one of the countries listed on page 5 of our plan details.
Visit our interactive definitions search tool for a full list of our critical illness definitions. You can view both our current definitions and past definitions wording to see how they've changed over time to ensure your clients continue to have the right level of Critical Illness Cover.
When your clients take out Critical Illness Cover, they can choose to add the level of Children's Critical Illness Cover to suit their needs and budget. Or they can choose to leave it off entirely if they don't have and don't plan on having children, so that your clients aren't paying for a benefit they don't need. Your clients can also change or remove their Children's Critical Illness option at any time during the term of their plan.
Enhanced Children's Critical Illness Cover - our most comprehensive option, it provides protection from pregnancy to young adulthood (age 21). It includes 13 child-specific conditions and an extra additional condition for pregnancy complications.
Standard Children's Critical Illness Cover - cover for 47 main critical illness conditions plus total permanent disability. An option for clients who want some protection for older children, or who may be more cost conscious.
For full terms and conditions, see our Personal Menu Critical Illness cover plan details.