A serious illness can change your life in an instant—but it doesn’t have to compromise your financial future. Critical illness insurance provides a lump-sum payment if you're diagnosed with a covered condition, giving you immediate access to cash when you need it most. This coverage goes beyond lost income—it helps with medical bills, living expenses, and any unexpected costs that come with a life-changing diagnosis.
Frequently Asked Questions
What conditions are covered?
Policies typically include cancer, heart attack, stroke, organ transplant, and other serious health events. Some plans also cover conditions like ALS, advanced Alzheimer's, or kidney failure.
How is the benefit paid out?
You receive a one-time lump-sum payment upon diagnosis of a covered condition. There are no restrictions on how you use the funds.
Is this the same as health insurance?
No. Health insurance covers medical treatments, while critical illness insurance gives you cash to use however you need—whether it’s medical bills, mortgage payments, or travel for treatment.
Can I use the benefit to support my business or family?
Yes. The payout is yours to use as you see fit, including covering lost income, supporting your household, or keeping your business running.
Is this coverage available on its own?
Yes, it can be purchased as a standalone policy or added to other disability or life insurance plans for added protection.
Why it Matters
Health insurance helps cover medical care. Critical illness insurance helps cover everything else. A major diagnosis often brings unexpected costs—travel for treatment, time away from work, hiring help at home, or modifying your living space. This coverage gives you the freedom to make decisions based on what’s best for your recovery, not just your finances. It’s about financial flexibility when you need it most.
Who It's For
Critical illness coverage is a smart choice for anyone who wants added financial security in the face of life-altering health events. It's especially valuable for self-employed individuals, families with limited emergency savings, or those with a history of serious illness in their family. Whether you want to protect your lifestyle, support your recovery, or avoid draining your savings, this coverage adds a vital layer of protection.
Be Ready for Life’s What-Ifs
You can’t predict a diagnosis—but you can plan for it. Critical illness insurance provides financial breathing room during some of life’s most difficult moments. With one lump sum, you can stay focused on what matters: your health, your family, and your future.
