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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 have between $30,000 and $200,000 of Critical Illness Cover, in $10,000 increments. Your cover is known as your Critical Illness Cover benefit and is confirmed on your policy schedule. This lump sum benefit will only be paid once. 

Critical illness cover conditions are:

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

Critical illness conditions have specific meanings and a benefit is only payable if you meet the precise meaning of the definition set out in the Simple Life Product Disclosure Statement and the Simple Life Medical Definitions Reference Guide.

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
  • 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

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.

Call 13 3982 between 8am and 8pm, Sydney time, Monday to Friday.

Our claims team may send you a claim form and a letter outlining the supporting evidence required for us to assess your claim.

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Things you should know

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 where we refer to ‘we’ and ‘our’, we mean CMLA.

Please refer to the Simple Life Product Disclosure Statement (PDS) and the Simple Life Medical Definitions Reference Guide 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 Simple Life is The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA). CMLA is a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945. CommInsure is a registered business name of CMLA.

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