Buy the amount you think you will need to cover your unanticipated expenses and lifestyle costs. You are paid to you within three business days of receiving your claim.
Example - I will not have an income for three months, I need $12,000 to pay my bills.
You choose your sum insured with Redicova.
Buy the amount you think you will need to get on with life; and when the BoM record a severe tropical cyclone at your insured address, we will pay you.