Types of Personal Insurance.
Life Cover
Life cover is a type of insurance policy that provides a lump sum payment to the policy owners in the event of the life assured's death. This payment can be used to cover expenses such as funeral costs, outstanding debts, and living expenses. Life insurance is an important way for people to provide financial security for their loved ones in the event of their death.
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Income/Mortgage Protection
Income/mortgage protection insurance is a type of insurance policy that provides financial support to individuals who are unable to work due to illness or injury. This insurance is designed to help individuals maintain their standard of living by providing a regular income if they are unable to work for an extended period of time.
Trauma Cover
Trauma cover, also known as critical illness insurance, is a type of insurance policy that provides a lump sum payment to the policyholder if they are diagnosed with a specified serious illness or condition, such as cancer, heart attack, or stroke. This payment can be used to cover expenses such as medical bills, rehabilitation costs, or loss of income.
There are different types of trauma cover that suit different situations, it is important to get advice on which one is right for you.
Permanent Disability Cover
Permanent disability cover, also known as total and permanent disability (TPD) insurance, is a type of insurance policy that provides a lump sum payment to lives assured if they are permanently disabled and unable to work due to an illness or injury. The purpose of permanent disability cover is to provide financial support to lives assured who are unable to work and to help them cover expenses such as medical bills, rehabilitation costs, or loss of income.
Health Insurance
Health insurance is a type of insurance that provides financial coverage for medical expenses, including hospitalisation, surgery, and other medical treatments. The purpose of health insurance is to help lives assured pay for these expenses, reducing their financial burden in the event of an unexpected illness or injury.
Health insurance policies typically require lives assured to pay a monthly premium, and in exchange, the insurance company will cover a portion of the medical expenses incurred by the policyholder. The amount of coverage, excess, and exclusions vary depending on the type of health insurance policy and the insurance company.