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Critical Illness Cover can pay a lump sum benefit to you if you’re diagnosed with or suffer a defined critical illness like cancer, stroke or major heart problems, such as a heart attack or coronary artery disease requiring by-pass surgery, and you survive for 30 days after this occurring. It’s designed to help with out of pocket costs like medical bills and lifestyle expenses, such as relocation costs for your family while you’re under medical care.

With a Simple Life policy, you can buy between $30,000 and $200,000 of Critical Illness Cover, in $10,000 increments. For example, you can buy $80,000 worth of Critical Illness Cover, but you can’t buy $75,000 worth. The cover amount you choose is known as your Critical Illness Cover benefit and is stated on your policy schedule. This lump sum benefit will be paid once only.

You can package Critical Illness Cover with other Simple Life covers, including Life Cover, Total and Permanent Disability (TPD) Cover and Bill Protection, or you can buy it as a standalone policy.

Critical illness means a medical practitioner has certified you’ve been diagnosed with or have suffered one of four medical conditions:

  • Cancer
  • Coronary artery disease, requiring by-pass surgery
  • Heart attack
  • Stroke

You can find more information on these medical conditions in the Simple Life Product Disclosure Statement (PDS).

It’s important you’re aware of the situations where a Critical Illness benefit won’t be paid. This is where your critical illness results directly or indirectly from any of the following:

  • A pre-existing condition
  • Suicide, attempted suicide or self-inflicted injury, whether you’re sane or not
  • As a result of war, whether it has been declared or not
  • Substance use or dependency, including alcohol, drug, chemical or the improper use of medication
  • Participation in an illegal activity
  • Working in hazardous conditions
  • If you pass away within 30 days of being diagnosed with or suffering a critical illness
  • If you’ve been living outside of Australia for more than 12 months in a row

Critical Illness Cover has a 90 day no claim period, which means you can’t access benefits for any critical illness you suffer or are diagnosed with in the 90 days after your cover start date. Your cover start date is specified on your policy schedule.

We’ve built a simple calculator to help you find out how much life cover you might need.

If you already know how much life insurance cover you need, you can get a quote and apply online for Simple Life now.

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Important information

As this information has been prepared without considering your personal objectives, financial situation or needs, you should, before acting on it, consider its appropriateness to your circumstances. This information is provided by CMLA and CIL (as relevant) and where we refer to ‘we’ and ‘our’, we mean either CMLA or CIL.

Please refer to the Simple Life Product Disclosure Statement for full benefit details, terms, conditions and exclusions. A Product Disclosure Statement (PDS) and Financial Services Guide (FSG) for Simple Life are available online or by calling 13 39 82 between 8am and 8pm (AEST) Monday to Friday. If you call this telephone number, you may be speaking with customer service representatives from Aegon Insights Australia Pty Limited (“Aegon”) ABN 35 082 524 785 AFSL 236657. Aegon is authorised to issue Simple Life on behalf of CommInsure.

The issuer and insurer for Life Cover, Total and Permanent Disability Cover and Critical Illness Cover is The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA). The issuer and insurer for Bill Protection is Commonwealth Insurance Limited ABN 96 067 524 216 AFSL 235030 (CIL). CMLA & CIL are wholly owned but non-guaranteed subsidiaries of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945. CommInsure is a registered business name of CMLA & CIL.

The Commonwealth Bank of Australia does not guarantee the obligations or performance of CommInsure or Aegon or the products they offer.