Critical illness insurance is a form of protection that can provide you with a lump sum payment if you suffer from a covered critical illness and you are unable to work. Examples of critical illness are cancer, heart attack, stroke and coma. The physical and emotional strain of a critical illness can be severe and when you combine that with the potentially damaging financial impact, the result can be devastating.

That’s where the critical illness benefit comes in—you are free to spend the money as you wish—such as to help cover lost income, to pay for monthly bills while you are out of work or even to pay off your mortgage. It can help you where you need it most so you can focus all your energy on recovering.