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CRITICAL ILLNESS/ 'EQUITY PROTECTION'
A Critical Illness/'Equity Protection' Insurance Policy provides a lump-sum payout if you are diagnosed with a covered serious illness. Here are the key benefits:
Lump-Sum Payout
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Provides a tax-free cash payout upon diagnosis of a covered illness (e.g., cancer, heart attack, stroke).
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You can use the money however you choose (mortgage payments, medical bills, living expenses, debt repayment, etc.).
Covers Medical
& Non-Medical Costs
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Helps cover out-of-pocket medical expenses (treatments, medications, rehab).
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Can also be used for daily living costs (rent, mortgage, childcare, lost income).
Protects Your Income & Savings
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Prevents financial strain by replacing lost income while you're unable to work.
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Helps protect your retirement savings and investments from being drained.
Complements Health & Life Insurance
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Unlike health insurance, which only covers medical bills, critical illness insurance gives you a cash payout directly to use as needed.
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Unlike life insurance, which pays only upon death, this policy provides benefits while you’re alive.
Affordable Premiums
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Premiums are usually lower than disability insurance and offer significant financial protection.
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You can choose coverage amounts based on your needs and budget.
Peace of Mind & Stress Reduction
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Focus on recovery instead of worrying about bills and expenses.
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Helps ensure your family is financially secure if you face a serious illness.
Common Covered
Conditions:
✅ Cancer

✅ Heart attack

✅ Stroke

✅ Kidney failure
✅ Major organ transplant

✅ Paralysis

✅ Alzheimer’s disease