Critical Illness

Critical Illness cover is designed to provide a lump sum when the life assured suffers from a range of specified illnesses or undergoes a specified operation during the policy term. Apart from the emotional difficulty suffering from a critical illness can cause, it can also result in medical expenses or the inability to work for a period of time. Critical illness cover can give you peace of mind by ensuring that your financial liabilities are not affected.

There are optional benefits that can be included in your critical illness policy such as;

Waiver of Premium – Ensures your policy remains in force if you are unable to meet premiums following incapacitation for more than 26 weeks.

Total Disability – This protects against non-permanent disability where a percentage of the sum assured is paid.

Total Permanent Disability – If the life assured is permanently disabled then the sum assured will be paid in full less any payments made for Total Disability.

Increasing cover – The sum assured can be increased annually to combat the effects of inflation.

You will also receive children’s critical illness cover at no additional cost. Children are covered up to the age of 22 and includes child-specific conditions such as cerebral palsy or cystic fibrosis. There is no limit to how many children are covered however the benefit is payable only once per child. There are some restrictions to this cover which you can contact us if you want to know more.

It is important to consider carefully how much protection you require. EFPG advise that you do speak to a financial adviser to determine a sum assured that provides suitable protection and meets your affordability requirements.

Critical Illness policies generally include Term Assurance benefits but we can provide a plan without Term Assurance cover if required. For more information on the benefits of Term Assurance please click here.

The two examples below are for policies that require no additional underwriting, so are for healthy individuals with no family histories of illness.

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EFPG can offer protection products from a number of partners and we would advise upon the most suitable provider according to your circumstances.

If EFPG were to consider AIG to be the most suitable provider, you would benefit from AIG’s partnership with Best Doctors and Winston’s Wish.

Critical Illness cover is not inexpensive as the illnesses covered by the policy are extensive. EFPG can offer a similar cover called Key 3 that covers fewer illnesses and the monthly premiums can be significantly lower. If you would like to know more please follow this link or contact us.

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