Critical Illness Cover
What you need to know
Let’s start with understanding some of the basic terms and considerations so you can make an informed decision.
Critical illness cover is designed to pay a cash lump sum to you if you contract a specified critical or serious illness.
You will be covered against illnesses such as Cancer, Heart Attacks, Stroke, Multiple Sclerosis, Parkinsons and Alzheimers disease.
Most people in their lifetime will be diagnosed with Cancer, Heart Attack or Stroke. Get some money while you recover. In 2022, 93.5% of all claims were paid out. Over £334 million was paid out*.
Monthly premiums start from £5. We can tailor the payment to the fit within your budget.
What is Critical Illness Cover?
It is designed to pay a cash lump sum to you if you contract a specified critical or serious illness.
You will be covered against illnesses such as Cancer, Heart Attacks, Stroke, Multiple Sclerosis, Parkinsons and Alzheimers disease.
Different insurance companies cover different types of critical or serious illnesses and they will pay dependent on how severe the condition you contract is.
Monthly premiums start from £5. We can tailor the payment to the fit within your budget.
This depends on what condition you have, its severity and how long ago you were diagnosed. Every insurer will assess each application individually.
Most people in their lifetime will be diagnosed with Cancer, Heart Attack or Stroke. Get some money while you recover. In 2022, 93.5% of all claims were paid out. Over £334 million was paid out*.
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Let’s put the kettle on and have a chat. We’ll have you up to speed in no time!
*Figures from AVIVA website
It's worth having a chat!
We know it gets confusing!
That is exactly why we’re here to explain your options and how to make it work for you!
....so, in a nutshell...
Critical illness cover is the cover you'd likely use
Most people will contract a critical illness in their lifetime, Heart Attacks, Cancer and Stroke are covered under these policies therefore you are most likely to claim for.
Click below for more info!
Tax free cash to help while you recover
It is a policy which is designed to pay a tax free cash lump sum if you are diagnosed with a defined Critical or Serious Illness.
The money can be used however you want while you recover.
Many illnesses are covered
Many insurers cover around 50 illnesses but some insurers can cover around 175. Typical illnesses covered are, Heat Attack, Cancer, Stroke, Parkinsons, Disability, Multiple Sclerosis or loss of limbs to name a few.
Good to know
You can have as many Critical Illness policies as you want and you can cover what ever amount you want.
Our role is to help you make an informed decision
There are many aspects to all types of insurance and we understand that you need to make the right decision.” And “You will undoubtedly have many more questions, so please feel free to arrange a free, no-obligation chat and we will be happy to talk you through your options.
Frequently Asked Questions
Here are a few of the questions we regularly answer for those who are wondering if this is the correct choice.
Just remember, we’re ready to chat and answer many more!
Here are a few of the questions we regularly answer for those who are wondering if this is the correct choice.
In our opinion everyone who qualifies for Critical Illness cover should have it. Especially if you have children, if you are single you still may need help if you are recovering from certain conditions. They are fantastic policies and we would recommend anybody have one.
It depends on what medical conditions you have. Insurance companies can look at this in different ways. They can make an exclusion for your existing condition covering you for the rest of the defined conditions on that policy that they cover.
Yes. You can have a critical illness only policy.
A critical illness is something defined by insurers and can include illnesses like cancer, heart attacks, stroke, Alzheimer’s or Dementia. Each different insurance company will cover different critical illnesses and will pay out on differing severities of each defined condition.
Yes. You can have as many critical illnesses policies as you like. Some insurers have limitations and are more cautious over certain amounts of cover. For example, if you want £750,000 worth of cover then you may have to undergo a medical.
The best place to look for a policy is with one of our experts because like mortgages we are independent and have the whole of the market to look to provide you with the best and cheapest cover. There are many providers such as Zurich, Aviva, Legal and General, AIG, LV, Vitality Life and many more.
In our opinion everyone who qualifies for Critical Illness cover should have it. Especially if you have children, if you are single you still may need help if you are recovering from certain conditions. They are fantastic policies and we would recommend anybody have one.
It depends on what medical conditions you have. Insurance companies can look at this in different ways. They can make an exclusion for your existing condition covering you for the rest of the defined conditions on that policy that they cover.
Yes. You can have a critical illness only policy.
A critical illness is something defined by insurers and can include illnesses like cancer, heart attacks, stroke, Alzheimer’s or Dementia. Each different insurance company will cover different critical illnesses and will pay out on differing severities of each defined condition.
Yes. You can have as many critical illnesses policies as you like. Some insurers have limitations and are more cautious over certain amounts of cover. For example, if you want £750,000 worth of cover then you may have to undergo a medical.
The best place to look for a policy is with one of our experts because like mortgages we are independent and have the whole of the market to look to provide you with the best and cheapest cover. There are many providers such as Zurich, Aviva, Legal and General, AIG, LV, Vitality Life and many more.
