10 Free Inbuilt Insurance Covers You Should Know About

Planning your financial future involves more than just choosing a life insurance policy—it’s about understanding the powerful benefits already built into your plan. Many policyholders don’t realise that their coverage often comes with free inbuilt insurance covers, adding extra layers of security without increasing your premiums. These covers can protect you and your family in a variety of unexpected situations, helping you feel confident and secure. Let’s explore these 10 free inbuilt insurance covers, so you can see how they strengthen your policy and give you peace of mind. Ready to check if your policy includes these benefits? You can easily compare plans and get quotes tailored just for you.

Life insurance plans today come packed with inbuilt covers that add important protection beyond the basic sum assured. These 10 covers enhance your policy’s value, giving you comprehensive security at no extra cost.

• Accidental death cover: Offers an additional payout if death occurs due to an accident, providing extra financial relief for your family.

• Terminal illness cover: Pays a lump sum if you are diagnosed with a terminal illness, helping cover medical and personal expenses.

• Waiver of premium: If you become critically ill or disabled, this cover waives your future premiums so your protection continues uninterrupted.

• Income benefit rider: Ensures your family receives a steady income if you pass away, helping maintain their lifestyle.

• Critical illness cover: Provides a lump sum on diagnosis of specific critical illnesses, supporting treatment costs.

• Partial disability cover: Pays a portion of the sum assured if you suffer a partial disability due to an accident.

• Funeral expenses cover: Covers immediate funeral costs to ease your family’s financial burden during tough times.

• Child education benefit: Guarantees funding for your child’s education even if you are no longer there to support them.

• Loan protection: Helps pay off outstanding loans in case of your death, preventing financial strain on your loved ones.

• Personal accident cover: Offers coverage for medical treatment if you suffer accidental injuries.

Want to check if your current plan includes these covers? Compare plans and get your personalised quote now!

These inbuilt insurance covers work quietly in the background, boosting your policy’s protection without costing you extra. Here’s why they matter:

• Additional protection: Safeguard yourself against a wider range of risks, from accidents to illnesses, all within your existing policy.

• Cost-effective: Enjoy extra coverage bundled in your base premium—no surprise charges or hidden fees.

• Family security: Feel confident knowing your family will have financial support in illness, disability, or unforeseen events.

Ready to explore which covers you’re entitled to? Start by checking your premium options here. Get Quote!

The best part? Most of these inbuilt covers are automatically included in many life insurance policies. Accessing them is simple:

• Review your policy documents: Start by reading through your policy to identify which covers are included.

• Talk to your insurer: Reach out for clarity on benefits, claim processes, and how these covers work for you.

• Stay informed: Keep updated on any changes and requirements so you can utilise these covers when needed.

Not sure where to start? Compare life insurance plans that include these inbuilt covers and get quotes tailored just for you today!

Knowing about the 10 free inbuilt insurance covers in your life insurance policy helps you maximise your protection without paying extra. These features add valuable financial security for you and your loved ones across various situations—from illness and disability to accidents and family needs. Take a moment today to review your policy, compare plans, and ensure you’re making the most of these benefits. Your peace of mind and your family’s future deserve nothing less.