Critical Illness FAQ Home

General Questions

• What is Critical Illness cover?
• Why do you need Critical Illness cover?
• Why do you need to consider a new Critical Illness policy if you already have one?
• What could Critical Illness cover be used for?
• Is there a waiting period to receive payment on a Critical Illness claim?

Aspects you have to make decisions about when buying Critical Illness Insurance

• How much Critical Illness cover do you need?
• Is there a minimum or maximum amount of Critical Illness cover available?
• How long should you insure for?
• What decisions will you have to make before you can get a quotation for Critical Illness insurance?
• Can you include your partner on your Critical Illness policy?
• Can you and your partner have different levels of cover on a Joint Critical Illness policy?
• Should you have a “Guaranteed” or a “Reviewable” policy?
• Why, when you only want Critical Illness cover, should you consider combining it with Life Insurance?
• What other benefits can be added to a Critical Illness policy?

Questions about what is insured

• What conditions are considered critical?
• What is “total and permanent disability”?
• Are critical illnesses in pregnancy covered?
• Will Critical Illness policies permit the use of alternative medicines?

Questions about children

• Can you include your children on a Critical Illness policy?
• Are future children included on a Critical Illness policy?
• What level of Critical Illness cover could your children get?

Questions about cost

• How much does Critical Illness cover cost?
• Is there a minimum or maximum premium for Critical Illness cover?

Is it really Critical illness Insurance you need?

• What is the difference between Critical Illness cover and Terminal Illness cover?

Questions about the application procedure

• What information do you need to provide to apply for a Critical Illness policy?
• Will you need a medical if you apply for a Critical Illness policy?

Questions about making a claim and afterwards

• What information will be needed at the time of a Critical Illness claim?
• How will a Critical Illness claim be paid?
• Will a claim for Critical Illness affect any State Benefits?
• Are you allowed to continue working after a Critical Illness claim?
• What happens if your condition improves after making a claim on your Critical Illness policy?
• What happens if your condition deteriorates after making a claim on your Critical Illness policy?
• What happens if you develop another Critical Illness or have a reoccurrence of a critical illness?

Other

• Can you extend or increase my Critical Illness cover at a later date?
• Under a combined Life Insurance and Critical Illness policy, is the value of cover the same for both the life and Critical Illness provisions?

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