Here's what you get:

  • Cover if you are diagnosed with one of six defined critical conditions
  • Cover up to 65 years of age

Ready to roll?

To take out NAB Essential Critical Illness, you need to:

A snapshot of this policy

A lump sum payment if you suffer from one of these defined critical conditions:

  • Cancer - excluding specified early stage cancers
  • Coronary artery bypass surgery
  • Heart attack - with evidence of severe heart muscle damage
  • Major head trauma
  • Severe burns
  • Stroke - in the brain and of specified severity.

You can apply for cover between $20,000 and $500,000 to help you financially while recovering.

This snapshot is a guide only. Make sure you read the NAB Essentials Product Disclosure Statement (PDF, 478KB) for details of exclusions, limitations, eligibility, fees and charges and how benefits are calculated and paid. Please also read the NAB Financial Services Guide before applying for this product.

NAB Essential Injury

Access to Best Doctors

Best Doctors connects you with a network of over 50,000 leading medical specialists from around the world. It offers a second opinion when you need it most, helping you get the right diagnosis and treatment plan.

Straightforward and simple

Apply quickly and easily online or over the phone. You will be asked a few questions about your health but no medical examination is required.

Protection 24/7

Worldwide protection at all times.

Here's how it works

  • Step 1 Get a quote now by calling us on 1300 133 252
  • Step 2 Easy, over the phone application
  • Step 3 Claiming is easy – call 1300 411 535

How to make a claim

Call MLC Life Insurance Claims on 1300 411 535

It’s easy to make a claim – call, fill out the form and submit your claim. After your claim’s assessed, you’ll be advised of the outcome as soon as possible.

Frequently asked questions

How can I get more information?

Call 1300 133 252, 8am - 7pm Mon-Fri (AEST/AEDT)

How much does it cost?

Your premium is calculated based on your gender, smoking status, age and the amount of insurance you choose.

What are the payment options?

You can pay monthly or fortnightly by credit card or direct debit

What happens after I apply?

You’ll receive a welcome pack with everything you need to know about your policy (including a policy schedule and policy document). Remember to read your policy and keep this handy in case you need to make a claim.

How much cover do I need?

You should consider whether you already have these benefits under another insurance policy. A consultation with a financial planner is a good way to ensure that you have the cover you need.

What do I do if I want to change my level of cover?

If you want to change your cover all you need to do is call 1300 411 535 between 8am - 7pm, Mon-Fri (AEST/AEDT).

I'm having trouble with my premium payment. What do I do?

If you're experiencing trouble with your premiums - for example, if you’ve missed one - please call us on 1300 411 535 between 8am - 7pm, Mon-Fri (AEST/AEDT) and we'll work something out.

What is a pre-existing condition?

For NAB Essential Critical Illness means any illness or injury that first occurred, appeared or is diagnosed before the start, increase (for the increased amount) or reinstatement of your policy, or for which you have experienced symptoms or received medical treatment leading to a diagnosis after the start of your policy, increase or reinstatement and while this cover is in force. This doesn’t include any illness or injury you weren’t aware of, or couldn’t have been reasonably expected to be aware of, or a condition which we asked you about at the time you applied for, increased or reinstated the insurance and, after a full and accurate response, we issued the policy or the increase, or reinstated your policy.

Who do I contact if I have a complaint?

We're always trying to improve our customers' experience, but we know things don't always go the way they should. Here you can find information about how you can raise an issue with us, how it will be resolved and what to do if you're still not satisfied.

Important Information

  • MLC Limited (MLCL) ABN 90 000 000 402, AFSL 230694 is the insurer and issuer of this insurance which has been branded and distributed by National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 (NAB).
  • This insurance is not a deposit with, a liability of, or guaranteed by NAB. MLC Limited uses the MLC brand under licence. MLC Limited is part of the Nippon Life Insurance Group and not a part of the NAB Group of Companies. MLC Limited may pay benefits to NAB and its related bodies corporate for the distribution of this product.
  • Any financial advice is general only and has not been prepared having regard to your personal circumstances. You should consider your personal circumstances before acting on any advice. You should consider the NAB Essentials Product Disclosure Statement (PDF, 478KB) or call 1300 133 252 before deciding whether to acquire or continue to hold the product. If you’d like more comprehensive and individually tailored insurance, speak to a NAB Financial Planner on 1300 558 863.
  • Your access to the Best Doctors service is arranged by MLC Limited. For terms and conditions that apply to the service go to
  • Please note that by calling, 1300 133 252 you will be speaking with Aegon Insights Australia Pty Ltd ("Aegon") who has been authorised by MLCL to arrange life insurance contracts and deal with claims on MLCL’s behalf. By clicking ‘Get a quote’ you acknowledge that NAB does not accept responsibility for the operation of the Aegon website. View Aegon Financial Services Guide (PDF, 51KB).
  • Aegon will collect your information as agent for MLCL. You will be asked for information such as your address, date of birth, and a limited number of lifestyle and health questions. The MLCL privacy policy, is available at, and sets out how MLCL collect, use and manage your information. Aegon have an agreement with MLCL under which Aegon agree to strictly adhere to MLCL’s privacy and security standards.

NAB Essential Life

With NAB Essential Life insurance, you’ll receive financial support for you and your loved ones if you’re diagnosed with a terminal illness or die.

NAB Essential Injury

When accidents happen, NAB Essential Injury Insurance can help cover you and your family financially while you get back on your feet.

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Helps with repayments if you or any additional cardholders lose their job, become ill or disabled and can't work, or pass away.

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