Critical Illness Insurance - James Miller & Associates

Find the right critical illness cover

Our brokers can help you find the protection for when it matters most.

Find the right critical illness cover

Critical illness cover is all about ensuring you & your family is supported when it matters most.

Critical illness cover is designed to provide financial support if you’re diagnosed with a serious medical condition listed in your policy. If you are diagnosed with a covered illness during the policy term, a lump-sum payment is made, giving you the flexibility to manage medical costs, daily expenses, or any other financial needs while you focus on recovery.

Comprehensive Coverage
Policies typically cover a range of serious conditions, including cancer, heart attack, stroke, multiple sclerosis, and organ transplant. The exact illnesses covered will vary depending on the policy.

Lump-Sum Payment
If you are diagnosed with a covered illness and survive the specified waiting period (usually 28 days), the policy pays out a lump sum that you can use as needed.

Standalone or Add-On Critical illness cover can be taken as a standalone policy or added to a life insurance policy as a “critical illness rider” or “accelerated critical illness benefit,” providing extra flexibility.

Premiums Costs depend on factors such as your age, health, coverage amount, and the number of illnesses covered. Premiums may rise with age or pre-existing conditions.

Exclusions Policies include exclusions, so certain pre-existing conditions or illnesses not listed in the policy may not be covered.

Before choosing a policy, it’s important to speak with one of our dedicated advisors. They will review your circumstances carefully, taking into account your health history, family medical history, and financial situation, to ensure that critical illness cover is a suitable and valuable addition to your overall insurance plan.

As with all insurance policies, conditions and exclusions will apply.