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Critical Illness Cover: The Policy That Pays You While You’re Still Alive

Critical-illness cover pays the stated benefit when an insured condition meets the policy definition. The cash can support treatment or living costs, but it is not the same as hospital-bill cover.

What to check

Check the exact conditions, severity definitions, survival period, waiting period, exclusions, benefit amount, expiry age and effect on other policy benefits.

What could change the answer

A common disease name is not enough; the policy may require specified diagnostic evidence or severity. Existing conditions may be excluded.

A practical next step

Compare the wording against your income gap and existing health cover, then choose a benefit amount you can sustain.

Reviewed 2026-09-09