The lump sum can be a fixed amount or a multiple of salary. Policies will cover a standard number of the most common conditions or can be extended to cover a more comprehensive list of conditions.
A survival period is also applied following the diagnosis/operation before the lump sum is paid, this can range from 14 to 28 days. The aim is to support the member with the condition to help cover the cost and impact this condition may have on their life. Children are automatically covered free of charge up to a designated age.