Critical Illness Cover is a type of insurance that pays out a tax-free lump sum if you're diagnosed with, or undergo surgery for, a critical illness that meets the policy definition during the policy term.

It's designed to help support you and your family financially while you deal with your diagnosis — so you can focus on your recovery without worrying about how the bills will be paid.

Income Protection works by paying you a monthly tax-free income until you're well enough to go back to work, in the mean time you can use this money to help pay your bills, mortgage or medical costs. 

When you suffer a serious illness or injury, the last thing you should worry about is how you’ll pay the bills while you’re off work.

Private Medical Insurance is designed to cover the cost of private medical treatment for ‘acute conditions’ that start after your policy begins.

PMI is available at a range of different levels of cover at various premiums designed to meet the needs of different customers. For example, you can have choices around the types of treatment covered, what level of cover will apply to those treatments, the location where your treatment is provided.