Critical Illness

CRITICAL ILLNESS COVER IS THE COVER THAT PAYS OUT WHEN YOU’RE SERIOUSLY ILL.

  • A tax-free cash lump sum when you need it most.
  • Protect against a major health crisis.
  • Find a policy that gives the cover you need.
Not all Critical Illness policies are the same. Choose yours carefully and it could be the wisest buy you’ll ever make, but it’s vitally important to know what you’re getting.

WE’LL FIND THE BEST COVER FOR YOU!

WHAT IS CRITICAL ILLNESS COVER? WHAT AM I COVERED FOR?

Critical Illness Cover protects against illnesses that have a severe impact on your life.
All Critical Illness Cover includes the main critical illnesses people suffer from in the UK - coronary artery bypass, major heart attack, kidney failure, major organ transplant, multiple sclerosis, stroke and a defined set of specific cancers.
Most good policies cover more illnesses, and these vary between insurers.

 

WHEN DOES CRITICAL ILLNESS COVER PAY OUT?

Policies pay on valid claims where the diagnosed illness matches the definition in the policy. It provides a tax-free cash lump sum.

WHAT'S THE DIFFERENCE BETWEEN CRITICAL ILLNESS AND TERMINAL ILLNESS?

Terminal Illness Benefit is a benefit included in Life Insurance. It pays out the 'Death Benefit' at the point you're diagnosed with a terminal illness rather than on death.
Critical Illness Cover is a different kind of cover that protects you if you're diagnosed with one of the critical, but not necessarily fatal, illnesses during the length of your policy.

ARE MY CHILDREN COVERED?

Good policies will protect your children too. If your child is diagnosed with one of the listed illnesses, a partial payment could be made.
The money can be used to provide financial support at a very difficult and upsetting time.