For your own peace of mind
Critical Illness cover pays a lump sum in the event that you get diagnosed with a critical illness that meets the requirements of one or more of the defined critical illness claim events as shown in your policy document.
Critical illness claim events typically include various cancers, heart related diseases, musculoskeletal, central nervous system, etc
Critical Illness cover can also be taken as an accelerated benefit with death benefit. This is normally cheaper but any amount paid as a result of a critical illness claim reduces your death benefit by that same amount.