Pays a lump sum on diagnosis of a listed illness — cancer, heart attack, stroke, kidney failure. It is not health insurance: it does not pay hospital bills, it replaces the income you lose during a year of treatment and recovery. Most people need both, not one.

Premiums and claim-settlement ratios are illustrative until sourced from the insurer of record.

Read this before you buy.

• Any illness diagnosed during the 90-day initial waiting period
• Illnesses not on the policy’s listed schedule — the list is exhaustive, not indicative
• Conditions arising from an undisclosed pre-existing illness
• Death within the 30-day survival period
• Congenital conditions and self-inflicted illness

This claim turns on the diagnosis document, not on hospital bills. The definition in your policy is medical and exact — a heart attack must meet stated enzyme thresholds to qualify.

1. 01

   Get the exact diagnosis in writing

   · on diagnosis

   The specialist’s report, histopathology and staging. The policy pays on a defined diagnosis, so the wording of that report is the claim.

2. 02

   Survival period

   · 30 days

   Almost every plan requires you to survive 30 days from diagnosis before paying. If not, this pays nothing — which is what life cover is for.

3. 03

   Insurer’s medical review

   · 2–4 weeks

   A panel doctor verifies the diagnosis against the policy definition. They may ask for a second opinion, which we arrange.

4. 04

   Lump sum paid to you

   · 3–6 weeks

   Tax-free, and unrestricted — treatment, loan repayment, income replacement, all your choice. Future premiums are usually waived from then on.