You can add Critical Illness Cover for an extra cost when taking out Life Insurance or Decreasing Life Insurance. It could pay out a cash sum if you’re diagnosed with or undergo a medical procedure for one of the specified critical illnesses that we cover, and you survive for 14 days from diagnosis. We cover many types of cancer, heart attack and stroke. However, some types of cancer are not included and to make a claim for some illnesses, you need to have permanent symptoms. Please remember that these policies are not savings or investment products and have no cash value unless a valid claim is made.