Critical Illness Cover

Critical Illness Cover provides a lump sum payment if the insured person suffers a critical illness. It can help take away the worry of having to pay for day-to-day expenses while recovering from surgery or undergoing treatment.



Choice of cover

Critical Illness Standard
Critical Illness Plus

Minimum entry age


Maximum entry age


Benefit expiry age

Policy anniversary after the insured person turns 65

Minimum sum insured


Maximum sum insured


Premium types

Stepped premium

Funding options

Critical Illness Cover is only available outside of super

Product structure combinations

Standalone Critical Illness Cover
Critical Illness Cover attached to Life Cover
Critical Illness Cover linked to Life Cover


Key benefits

Critical Illness Cover includes the below key benefits, valuable features and the ability to add optional benefits.

All Critical Illness Cover benefits and features are subject to the full terms and conditions outlined within the Encompass Protection PDS.

Critical illness benefit

Provides a one-off, lump sum payment if the insured person suffers a listed critical illness event.

Partial critical illness benefit

If Critical Illness Plus has been chosen, we’ll pay a portion of the sum insured if the insured person suffers a partial critical illness event, such as the permanent loss of sight in one eye or an early-stage cancer diagnosis (if listed under the cover type).

Valuable features


To help ensure cover keeps pace with the cost of living and maintains real value, we automatically increase the Critical Illness Cover sum insured each year by the higher of 3% or the percentage increase in the Consumer Price Index.


The Critical Illness Cover sum insured can be increased after certain specified events without having to provide further medical or health information.


If we’ve paid a Critical Illness Cover benefit payment, we’ll reimburse up to $5,000 for the cost of a financial plan from a qualified financial adviser.


Optional benefits

In addition to the key benefits and valuable features, under certain circumstances a Disability Premium Waiver Option, Life Cover Buy Back Option and/or Critical Illness Cover Reinstatement option can be added to Critical Illness Cover for an additional cost. See the Encompass Protection PDS for details.