Critical illness cover pays a lump sum if you're diagnosed with a listed condition. But the list of conditions - and the severity required to trigger a payout - varies enormously between 'core' and 'quality' policies. We compare the actual definitions, not the marketing.
Core vs quality policies
Core policies cover the major conditions (cancer, heart attack, stroke) to a basic definition. Quality policies cover more conditions, at earlier stages, with partial payouts for less severe diagnoses. The premium difference is often small; the payout difference can be life-changing.
- Core: basic definitions of major conditions
- Quality: more conditions, earlier-stage payouts
- Partial payouts for less severe diagnoses
Pre-existing condition checks
Insurers assess your medical history before offering cover. Some conditions are excluded; some are accepted with a premium loading. We approach multiple insurers to find the most favourable underwriting for your history.
- Medical history reviewed before cover
- Exclusions and loadings compared across insurers
- Most favourable underwriting sought
