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Critical Illness CoverWhen life changes unexpectedly,
your finances shouldn't.

About Critical Illness Cover

Financial support when you need it most.
A serious illness can change your life in an instant. Beyond the emotional impact, it can also bring unexpected expenses, time away from work and difficult financial decisions.Old Mutual Critical Illness Cover gives you a once-off lump sum cash payout if you're diagnosed for the first time with a covered critical illness, helping you focus on what matters most - your recovery. Whether you need treatment, specialist care, lifestyle adjustments or financial support for your family, you'll have the freedom to use your payout in the way that best suits your needs.
Why choose Old Mutual Critical Illness Cover?

Life doesn't stop when illness strikes - and neither do your financial responsibilities.

With Critical Illness Cover, you'll have the financial flexibility to:

  • Continue supporting your family while you recover. 
  • Replace lost income if you're unable to work. 
  • Seek treatment at a hospital or specialist of your choice, locally or internationally. 
  • Pay for specialised care such as home nursing or rehabilitation. 
  • Make lifestyle or home adjustments that support your recovery. 
  • Focus on getting better instead of worrying about money. 

Because when your health is your priority, your finances should be one less thing to worry about.

man lying in a hospital bedKey Benefits
  • Cover of up to KES 15 Million - Choose a level of protection that gives you confidence, knowing you'll have financial support when you need it most. 
  • Quick and easy application - Enjoy cover of up to KES 2.5 Million without requiring medical tests, making it easier to get protected. 
  • Freedom to choose your treatment - Receive treatment at the healthcare provider that best suits your needs, whether in Kenya or abroad. 
  • Long-term financial protection - Choose a cover period ranging from 10 to 50 years, depending on your age and protection needs.
  • A payout when it matters most - Receive a once-off lump sum payment upon the first diagnosis of a covered critical illness, giving you financial flexibility when life takes an unexpected turn.

Protection that's built around your needs.

doctor talking to a woman in a wheelchairHow it works

Step 1

Choose the amount of cover that's right for you.

Step 2

Keep your cover active by paying your premiums.

Step 3

If you're diagnosed for the first time with a covered critical illness, Old Mutual pays you a once-off lump sum benefit.

Step 4

Use your payout in the way that best supports your recovery and your family's financial wellbeing.

TALK TO US 

Protect your future, before you need it.

 

Want to know more about Critical Illness Cover?We've answered questions you might have.

    Below are the illnesses that you can get covered for:

    1. Cancer
    2. Heart attack
    3. Open heart surgery
    4. Stroke
    5. Paraplegia
    6. Major organ transplant
    7. Aortic surgery
    8. Renal/kidney failure
    9. Accidental brain damage
    10. Coma
    11. Multiple Sclerosis
    12. Motor Neuron Disease
    13. Muscular Dystrophy
    14. Dementia
    15. Parkinsonism
    16. Connective Tissue Disease: Rheumatoid Arthritis

    Exclusions are defined in the contract document under the Definition of Severe Illness section.

    It's suitable for all lives that are eligible subject to underwriting limits, age limits and insurable interest.