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Critical Illness Cover
Insurance polcies that will pay-out if you suffer from a named and defined illness.
What is critical illness cover?
Critical illness cover is an insurance that pays out if you are diagnosed with serious illness during a specified period of time. These types of policies are also known as Life or Earlier Critical Illness policies.
If you were diagnosed with a critical illness and wouldn't be able to work, critical illness cover can help with paying your mortgage, covering medical bills and supporting your family.
How much critical illness cover do I need?
The honest answer – as much as you want and can comfortably afford. Some of our customers choose to cover one year’s salary and other customers choose to cover more than their mortgage balance.
There are a number of factors to take into consideration when choosing the amount of critical illness cover.
From a medical standpoint critical illness cover is the most cost-effective cover to have – because more claims are made on critical illness policies that any other type of ‘life insurance’.
What’s the difference between life insurance and critical illness cover?
Life Insurance pays out if you die during the term of the policy.
Critical Illness pays out if you die OR if you are diagnosed with an illness such as Cancer / Heart Attack / Stroke / MS and covers your children for critical illness cover.
We are the only firm in the UK who have been medically trained by an independent doctor to be able to fully understand every illness and severity of illness that the insurers cover in their critical illness policies.
How much cover do I have?
Every insurer has their own ‘rules’ about what they do and do not cover, so if you have a critical illness policy in place right now, it is 100% worthwhile to have us review it at no cost. At the very least, you will know what you are and are not covered for – and it may shock you when you find out!
