Reassurance along the road to recovery
Critical illness cover could provide financial stability when it matters the most.
Critical illness cover could provide financial stability when it matters the most.
Protect your income and cover medical expenses if you are diagnosed with a serious illness.
None of us go through life thinking we’re going to get a serious illness. It’s no way to live, quite frankly. But sometimes it’s necessary to take a moment to consider the possibility.
A critical illness policy can help:
If you’re diagnosed with an illness that your policy covers you’ll receive a one-off lump sum.
You can take out a joint critical illness policy to cover yourself and your partner.
It’s common for critical illness cover to be packaged up as part of a life insurance policy.
Simply put, a life insurance policy will only pay-out when you die, or in some cases if you receive a terminal diagnosis. A critical illness policy pays-out if you are diagnosed with a covered condition.
The exact list of conditions will vary between providers, however most policies will cover: Heart attacks, strokes, certain cancers, neurological diseases, respiratory diseases, eyesight and hearing damage as well as permanent disability.
This is not a comprehensive list and it’s important to check the list of conditions with your chosen provider before taking out a policy.
Yes, in most cases you can add cover for children to an existing policy. There’s generally no additional cost to do this, however the pay-out will tend to be much lower.
The illnesses covered and the required severity to claim are different between insurers, however generally a critical illness policy will only pay-out once.
Track your quotes and get real-time updates from providers as your circumstances change or new offers become available to you.
Unsuitable cover can leave you underinsured and with a policy that won’t pay out. Life can be complex enough at times, without the worry of your insurance not being there for you when you need it.
Most people consider taking out a life insurance policy when they either take out a mortgage on a property or have children.
Income protection is designed to help you continue to meet your financial commitments if you are unable to work a period of time.
With NHS waiting times high – knowing you’ll get quick treatment for an acute condition can provide much-needed peace of mind.
Critical illness cover provides a tax-free lump-sum payment if you are diagnosed with a covered condition.
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