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Trauma/Critical Illness Insurance

Critical Illness (CI) Insurance - this type of cover is designed to pay a lump sum upon satisfactory medical proof of the insured having suffered an insured, life threatening illness or traumatic injury, subject to the policy definition, with the proceeds going to the policy owner.  Again the proceeds are generally tax-free in the hands of the policy owner.

The common critical illnesses include cancer, stroke, heart attack and coronary artery bypass surgery.  This type of cover is generally arranged on a yearly renewable basis and may in some circumstances be added to a Term Life Insurance policy.

It’s never too early to invest in your future