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CHFinance

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Life and Critical Illness

Cover that supports your family through life changing events.

Life and critical illness cover combines a life insurance payout with a lump sum if you are diagnosed with a serious illness defined by the policy. It is designed to help with financial stability during treatment and recovery.

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What it typically covers

  • A lump sum on death during the policy term.
  • A lump sum on diagnosis of listed serious illnesses.
  • Financial support for mortgage, bills, or family needs.

Why people choose this

Many people worry about surviving a serious illness but losing income or needing time off work. Critical illness cover can provide a safety net for both you and your family.

Key points to consider

  • Each policy has a defined list of conditions.
  • Some providers offer severity based cover.
  • Premiums are higher than life cover alone.

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