Ready to compare
Critical Illness Cover policies?
FSCA-Authorised Advisers | Whole-of-Market Access
We can find you the most suitable Critical Illness Cover Policy that protects you and your family — with expert guidance and no fees.
387,296
People Helped
Average Star Rating
"We would love to do the same for you..."
Are you looking for...
Explore the best medical protection for your circumstances.
Critical Illness Cover
(includes free Life Insurance) 🎯
One-off tax-free lump-sum in the event of serious illness like cancer, permanent disability, or death. The most popular choice.
Critical Illness Cover Only
One-off tax-free lump-sum payment in the event of serious illness like cancer or permanent disability caused by injury.
Income Protection Insurance
Monthly tax-free payments if you cannot work due to long-term sickness. Payments can last until retirement.
Can't decide? For free advice, message a South African based adviser on WhatsApp
+27 83 575 6352The quotation service is provided by an FSCA-authorised insurance specialist
Protect your family from financial hardship
A heart attack, stroke or cancer diagnosis changes everything, and without proper Critical Illness Cover in place, families face impossible choices about everyday expenses. You risk:
Mortgage Arrears
Repayments falling into arrears while you focus on recovery.
Unmanageable Bills
Household bills and living costs becoming unmanageable on reduced income.
Financial Struggle
You and your loved ones struggling financially at the worst possible time.
What is Critical Illness Cover?
If you're diagnosed with a serious illness such as cancer, have a heart attack or stroke, the insurer will pay a tax-free cash lump sum.
Pay off your mortgage in full
Cover medical treatments and daily expenses
Maintain your family's standard of living
Key features at a glance
Tax-free cash lump sum
On diagnosis, receive a one-off payment for mortgage repayment, bills, or rehabilitation.
Cover for major conditions
Includes heart attack, stroke, cancer, kidney failure and MS. Terminal illness cover is often included.
Support & Wellbeing
Access to medical second opinions, mental health support, and accommodation benefits.
Optional Add-ons
Add life cover in a joint policy or include children's Critical Illness Cover.
How Critical Illness Cover works
Policy set-up
Take out cover for a fixed term, aligned with your mortgage or retirement age.
Premiums paid
Monthly payments based on age, medical history and lifestyle factors.
Diagnosis
If diagnosed with a covered condition, the insurer reviews medical evidence.
Lump sum paid
Agreed tax-free lump sum paid directly to you. Use it however you wish.
Now's the time to protect your loved ones...
It is possible to be protected with a life insurance or critical illness policy within 20 minutes provided the insurer does not require a GP report or medical.
Calculate Your Cover
Find out how much cover you might need. It takes into account your outstanding mortgage, loans, and family needs.
The CoveredLife promise
For peace of mind, ensure you have the following:
Whole-Market access
We connect you with FSCA-authorised advisers who will secure Critical Illness Cover from leading providers.
No Hidden Fees
You'll never pay for our service. Advisers are only compensated by insurers once cover is secured.
Clear guidance
We ensure you understand what's covered, what triggers a valid claim and what you will receive.
"Every insurer has their own list of covered illnesses and definitions. We understand it can be challenging to find impartial guidance. That's why CoveredLife connects you with advisers who help you understand what triggers a valid claim."
James Stait
CoveredLife
Frequently Asked Questions
How much does it cost?
Premiums are based on your age, health, and amount of cover. Your adviser will find the best value.
What illnesses are covered?
Most policies cover cancer, heart attack, stroke, and MS. Definitions vary by insurer.
Can I add it to existing life insurance?
Yes, many providers allow you to add critical illness as an additional benefit.
How do I know I'll be covered?
Your adviser ensures your medical history is correctly disclosed to avoid issues at claim time.