Similar to Life, Critical Illness cover is an extension to contingency planning, however this provides a valuable living benefit. Critical Illness is designed to pay to you (the insured), on the diagnosis of a pre-determined list of illnesses, diseases and/or disabilities. It is use to replace any income that may be lost and give you the means to be able to get the best treatment without impacting on your personal funds and savings.
Total Permanent Disability is the third most used benefit with protection policies. Although to some extent disability is covered in Critical Illness, TPD is a standalone cover amount that will pay out in addition to other benefits. TPD will pay out to the insured if they are diagnosed to be permanently and totally disabled in line with the providers description of not being able to work or perform daily activities. This could be considered more important for people that may be at higher risk of injury or disability at work or traveling to work.
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