We know life doesn't stay the same for long, so if your clients' circumstances change during the life of their plan, they can change their cover to suit their needs.
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.
We'll pay a valid death claim regardless of where in the world the person covered dies. 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.
There are some situations where we won’t pay a claim, depending on the product your client has taken out. For more information see pages 7-8 of our plan details.
Visit our interactive definitions search tool for our full list of critical illness definitions. You can view both our current definitions and past definitions wording to see how they've changed over time.
When your clients take out Life or Critical Illness Cover, they can choose to add a level of Children's Critical Illness Cover - or they can choose to leave it off entirely.
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.
Your clients can change their Children's Critical Illness Cover option, or remove completely, at any time during the term of their plan.
For full terms and conditions, see our Personal Menu Life or Critical Illness cover plan details.