Thanks Isabella for the information. When I read the "Payments That Aren't Sick Pay(p15)", item 4 and 5 are more fit to our situation. Item 5. Payments unrelated to absence from work. My spouse got severe illness and not myself, so the payment was for her and nor for me as the Critical Illness Insurance covers my family. For item 4. Medical expense payments. Although the insurance payout is not restricted to medical or hospitalization cost, but the treatment cost is much higher than the payout amount. So the payout simply compensated our cost on the medical. Does my argument make sense to consider the critical illness insurance is not sick pay?
Thanks,
Sean
