Critical Insurance

Health insurance pays medical bills directly to the hospital. Critical insurance pays a cash lump sum to you upon diagnosis — which you can use for any purpose, including non-medical expenses like mortgage payments, lost income, or childcare.

The lump sum is typically paid after a survival period (usually 14–30 days) following diagnosis of a covered condition. This confirms the diagnosis is genuine and the insured has survived the initial critical period.

Most policies cover life-threatening cancers as defined in the policy. Certain less-severe cancers (early-stage skin cancer, non-invasive cancers) may have limited benefit or may be excluded. We will explain exactly what each plan covers.

Yes, and we strongly recommend it. Life insurance pays upon death; critical insurance pays upon serious diagnosis. Many people hold both as they cover different financial risks at different life stages.

Some plans offer a recurrence benefit for conditions like cancer. Once the initial benefit is claimed, most policies terminate or continue at a reduced sum. Plans with recurrence cover are available — ask our team.

A waiting period (typically 30–90 days from policy start) during which certain conditions are not covered. This prevents people from taking out insurance knowing they are about to be diagnosed. After the waiting period, all covered conditions apply.