Can I add Critical Illness Insurance to a Family Income Benefit policy?

Yes you can.

Critical Illness Insurance will pay out a lump sum if you are diagnosed with one of a long list of serious illnesses named your critical illness policy. Normally, the payout is made 28 days after diagnosis (industry standard). It is usually a condition of the policy that the policyholder must survive that 28-day period for the claim to be valid.

Critical Illness cover is commonly added to a Family Income Benefit policy. In combining the two types of insurance your family is protected against your death and long-term illness and is one of the most comprehensive package of protection insurance available.

With Life and critical illness insurance/critical family insurance you may usually only claim on the first event/first death. That is to say if the policy paid out on diagnosis of a critical illness it would not payout again upon death of the policyholder.