Products
Critical illness insurance
A lump sum for a major diagnosis, to carry you through treatment
Free consultation on LINEPlans in this category
108 conditions, paid on diagnosis (critical illness multi-pay)
Cover for 108 critical illnesses and conditions, paying benefits at every stage on a multi-pay basis, subject to the defined stages and conditions.
Critical illness cash benefit
A rider paying a daily cash benefit when you are admitted to hospital with one of 10 groups of critical illness, together with a benefit in the event of death from a critical illness.
Tax deductibleMulti-pay cancer insurance
A rider covering cancer specifically, from carcinoma in situ through to invasive cancer that returns, paying a lump sum benefit more than once.
Coverage details and conditions follow the policy document. Some information is still being prepared — please ask us before deciding.
Why Critical illness insurance matters
Critical illness insurance pays a lump sum when a listed condition is diagnosed at a defined stage. It covers what health insurance does not — the income that stops during treatment and your family's ongoing costs.
A lump sum you can use freely
Paid on diagnosis under the policy conditions, not tied to a treatment bill, so it can support every side of your life during treatment.
Covers what medical bills do not
Lost income, travel, and a carer make up around half of the real cost — and need a plan of their own.
Complements health insurance
It works alongside a health plan rather than replacing it. Together they form a complete response to a serious diagnosis.
Frequently asked questions
How is this different from health insurance?
Health insurance pays the treatment bill; critical illness pays a lump sum directly to you to use as you choose. Each covers a different half of the loss.
How much cover should I have?
A common starting point is around three to five years of income, to carry you through treatment and recovery. Adjust it to your own obligations.
Is the money paid immediately on diagnosis?
Payment follows the policy's definition of the condition, its stage, the waiting period and the other conditions stated. Read the details of each plan before deciding.
Not sure which plan suits you?
Tell us your goals and your budget. We are happy to compare the options with you — free and with no obligation.