What is critical illness cover?
Critical illness cover pays a tax-free lump sum if you're diagnosed with a serious, life-altering illness such as cancer, stroke, or a heart attack. This money can help cover bills, medical expenses, or provide financial breathing space when you need it most.
Talk to a Hug adviser
Is critical illness cover right for you?
- You don't have substantial savings to fall back on.
- Losing your income would create significant financial strain.
- You want reassurance and financial security during difficult times.
Benefits of critical illness cover
Covers a wide range of serious illnesses
You’re protected against many life-changing health conditions like cancer, heart attack, stroke, and more.
One-off payment you can use however you choose
Spend the lump sum however helps most — whether that's treatment, bills, or supporting your family.
Support when you need it most
Gives you financial breathing space to focus on recovery, not money worries.
Critical Illness FAQs
All your critical illness questions answered
How is critical illness cover different from income protection?
Critical illness cover provides a one-time lump sum following diagnosis, whereas income protection pays a regular monthly amount while you're unable to work. If you're interested in both, we're here to guide you.
Critical illness cover provides a one-time lump sum following diagnosis, whereas income protection pays a regular monthly amount while you're unable to work. If you're interested in both, we're here to guide you.
Can I get covered with a pre-existing health condition?
It’s often possible, depending on your condition and the insurer. You might pay a slightly higher premium or have certain illnesses excluded from your policy. We'll transparently guide you to the best available options.
It’s often possible, depending on your condition and the insurer. You might pay a slightly higher premium or have certain illnesses excluded from your policy. We'll transparently guide you to the best available options.
Which illnesses are typically covered by critical illness insurance?
Commonly covered conditions include cancer, heart attack, stroke, multiple sclerosis, and more. For a detailed list specific to different providers, please speak with a Hug adviser.
Commonly covered conditions include cancer, heart attack, stroke, multiple sclerosis, and more. For a detailed list specific to different providers, please speak with a Hug adviser.
What happens after I make a claim?
Once a claim is approved, you’ll receive a lump-sum payment directly. For guidance through the claims process, reach out to a Hug adviser.
Once a claim is approved, you’ll receive a lump-sum payment directly. For guidance through the claims process, reach out to a Hug adviser.
Is the payout from critical illness cover taxed?
No, the payout from critical illness cover is typically tax-free.
No, the payout from critical illness cover is typically tax-free.
Can I adjust my cover amount or policy duration later?
Adjustments are often possible, depending on your policy terms. A Hug adviser can provide personalised details.
Adjustments are often possible, depending on your policy terms. A Hug adviser can provide personalised details.
Are my children covered under my policy?
Many policies include coverage options for children. Please consult with a Hug adviser for specifics.
Many policies include coverage options for children. Please consult with a Hug adviser for specifics.