Serious Illness Cover

Serious illness cover pays you a sum if you are diagnosed with one of the specific illnesses or disabilities that your policy covers. It is also sometimes called “Critical Illness Cover”.

It is often sold as an extra benefit on a life insurance or mortgage protection policy; however, it can also be sold as an insurance policy on its own.


What is covered?

A few of the serious illnesses covered are:

  • Cancer of specified severity
  • Heart Attack
  • Stroke
  • Kidney Failure
  • Major Organ Transplant
  • Parkinson’s Disease



Typically, anyone between the ages of 16 to 55 (inclusive) may apply for Critical Illness cover. There are some questions about your health, lifestyle and family medical history that would determine whether you are eligible for cover.

It is extremely important that you sit down with your Smart Financial advisor so they may draw to your attention to the specific events that must occur in order to claim the illness benefit associated with this recommended policy. This policy will only pay out on an illness specifically covered in the policy and these will be outlined in the policy terms and conditions sent to you by the life company.


Talk with an insurance specialist at Smart Financial to see if you are eligible for Serious Illness cover or to discuss other Life Insurance options to give your family the peace of mind they deserve.

Serious Illness cover

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