Your clients or their family can make a claim when the person covered dies or is diagnosed with a critical illness or disability that meets any of our definitions. When they apply for cover they can choose between a lump sum payment or an income.
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:
There's no need for your clients to present any medical evidence if they're getting married, increasing their mortgage or becoming a parent.
However, if they want to increase the amount of their cover for any other reason, they may need to supply medical evidence.
For more information see 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.
For more information about each definition and our additional conditions see our plan details
When your clients take out Life or Critical Illness Cover, they can choose to add a level of Children's Critical Illness Cover that best meets their needs - 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. In addition, children are also covered for the 47 main conditions, plus total permanent disability, terminal illness and the 20 additional conditions currently available on our Critical Illness Cover
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. This can be done easily over the phone and they won't need to give us any medical information.
For full terms and conditions, see our plan details.