This is also known as critical illness cover (CIC) or serious illness cover (SIC). It can offer a degree of financial security in the event of you becoming seriously ill. It typically pays out a lump sum if you are diagnosed with a defined critical illness during the plan term. It can be set up on a standalone basis or with the combined benefit of life cover (accelerated benefit). It can also be level, decreasing or severity based. It can be set up on a standalone basis or with the combined benefit of life cover (accelerated benefit). It can also be level, decreasing or severity based.
As with all insurance policies, conditions and exclusions will apply
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