For life insurance cover, you can also find additional benefits at an extra cost, including critical illness cover (this is a common additional benefit) and waiver of premiums. Critical illness cover is payable on the conclusive diagnosis of a critical illness. Waiver of premium is often available at an extra cost - it will pay your premiums if you are unable to work for health reasons. Some of the conditions covered in most benefits include (use these as a guide only):
| Alzheimer`s Disease | Angioplasty |
| Aorta Graft surgery | Benign Brain Tumour |
| Blindness | Cancer |
| Coma | Coronary Artery By-Pass |
| Deafness | Heart Attack |
| Kidney Failure | Loss Of Limbs |
| Loss of Speech | Major Organ Transplant |
| Motor Neurone Disease | Multiple Sclerosis |
| Paralysis/Paraplegia | Parkinson`s Disease |
| Stroke | Third Degree Burns |
| Permanent Total Disability | Heart Valve Replacement |
