The full definitions are in the sample certificates: the 6-condition (Essential) certificate (opens in a new tab) and the 18-condition (Enhanced) certificate (opens in a new tab). Each covered condition has to meet its definition exactly, and some have their own exclusions and survival periods. Ask us and we’ll go through any of them with you.
What are the complete definitions of the covered conditions?
Reviewed by Garrett Agencies Ltd., October 2026. How we write
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More about Critical Illness Insurance
A lump sum if you’re diagnosed with a covered critical illness.
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