FAQs

Life insurance pays your loved ones a one-time payment if you die or are diagnosed with a terminal illness and have less than 12 months to live. You can enhance your Life Insurance with Critical Conditions cover, an optional add-on that provides a tax-free lump sum payment if you're diagnosed with a covered serious illness or condition, helping you manage the financial impact while you're still alive.

Critical Conditions Cover and Total and Permanent Disability (TPD) Cover both offer a tax-free lump sum payout while you're still alive, but for different reasons:

• Critical Conditions cover pays out if you're diagnosed with a specific serious illness or condition covered by your policy, regardless of whether you can continue working.
• Disability Cover (TPD) pays out if you become totally and permanently disabled and are unable to ever work again due to illness or injury.

Pinnacle Critical Conditions Cover includes 38 conditions, with cancer, heart attack, and stroke being the most common reasons for claims. Click here for a complete list of covered conditions. 

Monthly premiums are based on the cover you want. How much Critical Conditions cover costs depends on things like your age, gender, whether you smoke and other health and lifestyle factors. Get a quote in just 30 seconds to find out what it will cost you. 

Health insurance covers medical costs like surgeries and hospital stays, while Critical Conditions cover provides a tax-free lump sum payment if you're diagnosed with one of the 38 conditions or illnesses. This tax-free lump sum can be used how you choose such as helping cover additional medical expenses, replacing lost income, or paying for everyday living costs.

Yes, you can get Critical Conditions cover if you're self-employed. Try our simple online application.

Start with an online Pinnacle Life Insurance quote – you can add Critical Conditions Cover at the start of this process. Get a personalised quote in 30 seconds by entering some basic details - your gender, age, and smoking status. When you're happy with your cover and monthly premium, answer a few health questions, set up your payment, and you're covered!

Our team is here to support you every step of the way, so contact us if you need help at any point. 

If you are diagnosed with a critical condition, this cover will pay you a tax-free lump sum. Some people use it to pay bills while they aren’t able to work, to help fund their treatment, or to get some extra help at home. It can help make your life easier while you are dealing with an illness.

Critical Conditions covers you the first time you are diagnosed with any one of 38 different conditions.

If you've been with us for a while, you may have an older version of this policy, Critical Illness or Serious Illness Cover. Critical Illness cover protects you the first time you are diagnosed with one of these 24 Illnesses. Serious Illness Cover protects you the first time you are diagnosed with one of 4 Serious Conditions. If you'd rather have Critical Conditions cover, you'll need to apply.

We think it’s good to be prepared when we don’t know what the future may hold. Trauma insurance takes care of the bigger unknowns by covering most major health conditions. By adding trauma cover alongside life insurance, know that you will be well-taken care of, no matter what.

The amount of critical insurance cover you require is up to you. The maximum amount of cover you can have is up to $625,000. For help with understanding what you need, use our online tools to get a quote or more personalised advice check out our online advice tool.

Trauma insurance covers you for specific medical conditions. Once diagnosed, you may be eligible to receive a tax-free, lump-sum payment that can be used in any way you like if your ailment is one of the 38 conditions covered by our policy. Help to fund your care or to look after your family members, trauma insurance is there to help you during difficult times. You can only buy it alongside life cover, you can’t buy it as a seperate policy.