Critical Illness Cover
Illness can occur at any time, at any age. With Critical Illness Cover in place, a difficult time can be made easier.
What is Critical Illness Cover?
Offering you financial security allowing you to focus on your health and recovery with more peace of mind.
Critical illness cover is an insurance policy that provides a lump sum payment upon diagnosis of a specified illness within the policy’s duration.
It is commonly purchased alongside life insurance, particularly when applying for a mortgage. This ensures that if you become seriously ill or unfortunately pass away, your family has the peace of mind knowing they can settle part or all of the mortgage.
How does it work?
Critical illness insurance provides a lump sum of money if you are diagnosed with a critical illness or disability, such as heart attacks, strokes, or cancer. This financial support can help cover everyday expenses, mortgage payments, or medical costs, and can be used however you like.
Even if you receive state benefits or sick pay during your illness, these may not fully meet your needs. It’s important to consider how much you would need to live on and whether you require extra funds for your situation.
If you need to make a claim, keep in mind that illnesses often must reach a specific severity for the insurer to approve payment. For instance, if you are diagnosed with cancer, the insurer may only honour your claim if there is medical evidence showing that the cancer has become invasive.
Speak to an adviser
Fill in your details and one of our expert advisers will be in touch.
You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your requirements.
Contact Us