Critical illness

Group Critical illness Insurance is a benefit that pays out a lump sum if an employee is diagnosed with a serious illness covered by the policy.

This usually includes conditions like cancer, heart attack, stroke, and other life-changing illnesses. It’s there to help ease the financial pressure that can come with a diagnosis — whether that’s covering treatment costs, household bills, or lost income while they recover.

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How does Group Critical Illness Insurance work?
The policy is set up and paid for by the employer, and the premiums are usually tax-deductible as a business expense.

Employees are covered while they’re employed and meet the policy terms. If they’re diagnosed with a covered condition, they receive a lump sum payment directly, which they can use however they need — whether that’s for treatment, making adjustments at home, or simply giving them some financial breathing space while they focus on getting better.

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