Trauma cover

Critical Conditions Cover or Trauma Cover

With this policy, there are two popular concepts of CCC. A serious condition such as cancer, heart attack, stroke or paralysis is quite common and being diagnosed with any one of 40 conditions can have a huge impact on one’s family or business.

Where life insurance pays out on death or terminal illness, this policy can pay out when the life assured is alive. The proceeds of the policy which is normally a lump sum can repay debt like a mortgage, replace revenue placed at risk in a business situation and can create an emergency fund or cash reserve and boost retirement savings.

The policy can pay 100% of the sum assured or a partial payment if it is carcinoma-in-situ cancer or angioplasty (less than three vessels).

The alternative form still provides the money needed when seriously incapacitated, but rather than paying so in a single lump sum it can pay out more than once.

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