Critical-illness insurance
Cancer, stroke, and heart-attack definitions, payment triggers, and premium waivers.
Direct answers
Critical-illness cover pays a lump sum or waives premiums for defined cancer, acute myocardial infarction, stroke, and sometimes other diseases — but diagnosis alone may be insufficient; the policy’s medical definitions control.
Public coverage first · 2026 edition
Benefits may vary by: insurer · employment status · municipality · household
Get professional or administrator help: Ask the insurer to confirm the exact payment trigger before you rely on the cover.
Review due: 2026-10-30
Key points
- Heart attack or stroke often requires surgery, specified treatment, or lasting symptoms.
- Everyday meanings differ from the policy’s medical definitions.
- A lump sum can fund debt reduction, leave, rehabilitation, or home changes.
- Compare the trigger conditions across products carefully.
Read the medical definition
Check exactly what triggers payment — a named diagnosis, a specified procedure, a hospitalization, or a duration of symptoms — because two products with the same name can pay very differently.
Who this is for
- Residents mapping protection before shopping for private insurance
What this is not
- A quote, policy ranking, or individualized recommendation
Important cautions
- Eligibility, contributions, waiting periods, exclusions, and benefit amounts can vary. Confirm your case with the administering insurer or authority before acting.