A critical illness plan is a type of insurance policy that provides financial protection in the event of a serious illness diagnosis.

• High cover with no underwriting
• Flexible benefit options
• Cash benefit
• Unique premiums
• Annual benefit increases
• Simplicity
• Supplement to medical aids

The client will be able to make amendments to their policy. A policy amendment can include:

• Changes to sum assured
• Inclusion/Removal of riders
• Change to ABIs
• Change of beneficiary
• Change of personal details such as banking details

Any upgrades to the policy will only be able to be made at policy anniversary.

You can only claim for natural causes if your policy has been active for the duration of the waiting period. However, if the risk event occurs due to an accident, you can claim immediately after your policy has been activated.