Critical Illness

Critical Illness insurance is a policy designed to pay a one off lump sum to you directly if you are diagnosed with one of a specified list of illnesses, as detailed in the Key Facts document for the provider. The lump sum can be used to repay debts such as a mortgage, or towards alterations to property, or towards moving property, should you need to.

Not all conditions are covered, it is not based on your ability to work, but meeting the criteria set out on the inception of the policy.

All providers differ on the following:

  • Amount of conditions covered
  • Criteria for claims against the most claimed upon illnesses
  • Premiums
  • Ability for cover to keep up with inflation
  • Life element including or additional cost
  • Additional benefits (various)
  • Children’s cover
  • Treatment of existing conditions and exclusions

Depending on your budget, and need, the provider required could be different.  The comprehensiveness is not always linked to premium and exclusions can apply with existing conditions but differ with each provider.

If you are confident with your decisions on Critical Illness, then our website will enable you to apply with a fee based and a non-fee based option. Please click here to get a quote.

 

Would you like to request a call to talk to an adviser about Critical Illness Cover?

If you feel unsure and require advice please call 03456 442 540 to speak with one of our Insurance Advisors who can talk through your options and make a recommendation, tailored to your individual circumstances.

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