We have developed a suite of benefits to help you and your loved ones with the impact of a serious illness - allowing you to fully focus on your recovery.

The impact of a serious illness is more than just financial. There is an emotional toll coupled with the day to day practicalities of trying to cope with "normal life" while undergoing treatment.

Here are just some of the key points that makes Bidvest Life's Critical Illness cover a cut above the rest:

The choice is yours.

You can select a combination of income and lump sum benefits.
• This removes most of the guesswork around selecting how much critical illness cover is needed and simplifies the planning process.
• It removes the risks of using a lump sum pay-out to provide an income.
• It is more cost efficient because equivalent income benefits are cheaper than lump sum benefits.

We've thought about you every step of the way.

CI Assist and Medical Second Opinion (automatically included in your policy) provide you access to a suite of services to help you and your family cope better with the diagnosis, treatment plan and recovery of a critical illness or condition.

Income protection - perfected for critical illnesses.

Bidvest Life's market-leading temporary income protection benefits are now made even better by adapting to the specific requirements of a critical illness.
• You are able to take all the time off you need and fully recuperate before going back to work.
• You are able to pay for the extra monthly costs that come from living with a serious illness.

Critical Illness Lump Sum (CILS)	To provide for large once-off, unexpected expenses. Our CILS is as comprehensive as the best in the market and has all the choices and flexibility expected from a modern day CI benefit. In addition; Our product is future-proofed with the addition of a unique Expense benefit. We've improved the breadth and quality of cancer cover. You can receive early pay-outs based on diagnosis, where assessment periods usually apply. We have developed a Death Expense benefit to reduce the impact of the survival period.
Critical Illness Income (CII)	When combined with Bidvest Life's market-leading temporary income protection benefits, CII will pay 130% of your monthly sum insured up to 12 months, for all SCIDEP conditions and any other CI event that is set to pay-out at 100%. The 12-month period has been specially designed to cater for treatment and recuperation while the extra 30% will cover the inevitable extra monthly expenses. The reason we've designed this is because income protection doesn't necessarily deal well with intermittent treatment that comes with a critical illness.
Child Protector	A child being diagnosed with a severe illness is every parent's worst fear! Critical Illness cover is automatically included for your kids on our CILS benefit, however, adding the Child Protector benefit provides additional security by paying a monthly income if your child is diagnosed with a condition defined in our Juvenile Critical Illness table or if they're diagnosed with an illness that has a 100% pay-out in our Critical Illness table for CILS.
CI Assist	We've automatically included a suite of benefits to the value of R50 000 to help you and your family with the emotional toll and the day-to-day stresses of coping with a critical illness.
Medical Second Opinion	The first thought that goes through your mind after being diagnosed with a severe illness or condition is how do I know I've been diagnosed correctly? And, what's the best way to get better? That's why we have partnered with MediGuide to bring you Medical Second Opinion - to give you absolute peace of mind regarding your diagnosis and treatment plan.