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Specified Illness Cover

Why you might need specified illness cover?

No one wants to think they’ll be struck down with a serious illness – but unfortunately it can affect anyone, at any age and any time. If this happened to you, have you thought how you’d cope financially?  How would your family manage?  Could you afford to take time off work or pay for expensive medical treatment?  These days there is a good chance of surviving serious illness because medical diagnosis and treatment has progressed so much.  That’s why it’s worth considering a specified illness plan.

How does specified illness cover work?

Specified illness cover will pay a lump sum if you’re diagnosed with one of the specified illnesses, as long as you’re diagnosed during the term of the plan, your illness meets the definition in your policy and you’re eligible to claim.  There are a number of ways that specified illness cover could help look after you and your family financially. You could use the lump sum provided to:

  • make any necessary alterations to your home,
  • invest for a regular income,
  • pay for medical treatment and expenses, or
  • help with your mortgage or other loans or bills.

Some benefits of Specified illness cover at a glance

  • Cover is available up to age 89.
  • Premiums are guaranteed to stay fixed throughout your policy term unless you alter your policy.
  • It provides access to the Best Doctors® second medical opinion service.
  • Children from the age of 30 days are also covered for specified illness cover.
  • You can add indexation option to inflation-proof your cover.
  • You have the option of adding Life Cover.

Terms & conditions

The above is intended as a brief summary of the product.  Please note that all forms of particular illnesses are not covered. We will be able to provide you with a copy of specified illness definitions for a full listing of illnesses covered and their definitions.  Terms, conditions and qualification criteria apply.