Critical Illness Cover

• You can apply for Critical Illness at the same time that you apply for life insurance.
• If you are aged 20 to 59 and living in NZ, Australia, USA, Canada, UK, Ireland, Hong Kong or Singapore you can apply.
• All of our policies have a 30 day free look period, so you can buy with confidence

• If you get married, divorced, take out a mortgage or become a parent, you may be able to increase your cover by up to 50% with no medical questions asked. We understand that life changes!
• You can decrease your Critical Illness cover or remove it from your Life Insurance policy at any time without penalty.
• Your payments will increase each year as you get older.
• When you turn 70 your cover will cease.

• You will get a cash lump-sum payment, depending on the amount you cover you’ve selected of up to $625,000.
• Your level of Life Insurance cover will reduce by the amount of the lump sum.
• Your claim will be paid in New Zealand Dollars anywhere in the world, to the person who owns the policy.
• Your policy will be reinsured by Hannover Life Re, one of the largest reinsurers of life insurance in the world.

If you don’t apply for Critical Illness at the same time as your Life Insurance, you may have the option of adding Serious Illness cover to your policy later. Serious Illness will cover you for the four main reasons that people claim on their Critical Illness cover. (Critical Illness covers you for 24 different conditions.)

Critical Illness and Serious Illness are also known as Trauma Cover. Every company has a different version of trauma cover, read what’s covered by each of our policies in the links below.