Dread Disease

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Covering yourself and your ability to earn an income in the event of a dread disease diagnosis could have a big influence on your quality of life.

This provides you with a lump sum amount on diagnosis or severe stages of cancer, heart attacks and other heart diseases, strokes, eye and ear disorders, and paralysis, to name a few.

The difference between being paid 5% or 100% of the insured amount on diagnosis is determined by the type of policy you have. Make sure your policy pays out on diagnosis, not only at stage 3–4 of cancer — you might need the money for treatment directly after diagnosis. Dread disease also ties in with your disability cover: will you still be able to pass your medical after suffering a heart attack?