QBE understands the challenges that people face when dealing with financial hardships resulting from critical illnesses. QBE's Group Critical Illness insurance is one of the most comprehensive products in the market today – making it an essential part of an employer's group benefit package.

QBE's Critical Illness insurance pays a single, lump-sum benefit to a covered employee who has a life-threatening illness. Qualified claimants can use the benefit to pay out-of-pocket costs that health insurance may not cover, including out-of-network specialists, prescription drug co-pays or alternative therapies. The benefit also may be used toward non-medical expenses, such as home mortgages, heating bills or family vacations.

Critical Illness complements any employer's group benefits package – especially those who offer Consumer Driven Health Plans.

Diagnoses that we cover:

Acute diagnosis

  • Heart attack
  • Stroke

Cancer diagnosis

  • Cancer (in situ and invasive)
  • Benign brain tumor

Chronic diagnosis

  • Motor neuron disease
  • End-stage renal failure

Diagnosis leading to the following procedures:

  • Coronary artery bypass – Coronary heart disease
  • Heart valve replacement – Diseased heart valve
  • Aorta graft surgery – Diseased aorta
  • Major organ transplant – Major organ failure


Critical Illness product guide (pdf)

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