Critical Illness

 The Critical Illness plan is an insurance policy that pays out a lump sum in the event the Insured Person is diagnosed with a specified Critical Illness during the ongoing term of the policy.It provides benefits of up to NGN30,000,000 in the event the policyholder suffers a heart attack, stroke, cancer, coronary bypass, has a major organ transplant (heart, kidney, liver, bone marrow, lung, pancreas), kidney failure or falls into a coma during the term of the policy.

It provides benefits of up to NGN30,000,000 in the event the policyholder suffers a heart attack, stroke, cancer, coronary bypass, has a major organ transplant (heart, kidney, liver, bone marrow, lung, pancreas), kidney failure or falls into a coma during the term of the policy.

Features of the Critical Illness Policy

  • The minimum entry age is 18, maximum entry age is 67 and the ceasing age is 70.
  • The cover amount ranges between NGN500,000 to NGN30,000,000.
  • The policy term is from 3 to 15 years.
  • Premium payment frequency is monthly, quarterly or annually.
  • An optional 10% cash back is available at the end of the policy term.
  • Option to renew the policy at the end of the policy term.
  • All applicants are required to fill out a medical questionnaire and a medical test is required for cover above NGN10,000,000 as well as applicants above 46 years old.

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Critical Illness Cover