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What is critical illness cover?

Critical illness insurance will pay out if you get one of the specific medical conditions or injuries listed in the policy. For example; stroke, heart attack, cancer, multiple sclerosis, total and permanent disability.

Don’t confuse critical illness cover with life insurance, although they are sometimes sold together.

Critical illness cover provides a benefit on diagnosis, and once the claim is paid the policy will end. The benefit you receive can be used as you choose, whether this be to help alleviate the financial pressures during your treatment, paying off debts, taking time off work to spend with a loved one, seeking pioneering treatment or used towards a memorable experience.

Some policies will also make a smaller payment for less severe conditions, and, if selected, provide a lump sum if one of your children is diagnosed with one of the specified conditions.

Why protect yourself with critical illness insurance?

A critical illness can occur at any time. Every two minutes someone in the UK is diagnosed with cancer, and every five minutes someone has a heart attack or stroke.

Critical illness cover can help protect you and your family financially, alleviating stress in a very difficult time.

We recommend you learn more about this cover if:

  • You don’t have any savings to rely on
  • State benefits are not enough to replace your income if you can’t work because of long-term sickness or disability
  • Your employer does not provide enhanced sick pay
  • There is a family history of serious illness
  • You want to be able to take time off to look after children should they be diagnosed with a specified illness
Patient recovering from cancer operation

How we can help

Quite often our clients think that critical illness insurance needs to be the same as life insurance. It is also not unusual for clients to think they have critical illness, when in fact their policy only includes terminal illness. If you want critical illness provision, let us make sure it is the right benefit for you.

You will probably not have time to spend researching the critical illnesses covered and not all providers offer specialised features such as children’s benefit, global treatment and best doctors. Let our team of experienced advisers talk you through the options. We are used to dealing with all circumstances and we understand the insurance market.

If you have concerns about a pre-existing medical condition, we are familiar with the plans offered by each insurance company. It may benefit you having one plan with one company or multiple plans with various companies. We have access to all insurance providers, so not only can we provide a solution that is personal to you, but you can also be assured that you have the most competitive premiums.

Get critical illness insurance advice

Your local independent insurance experts

  • Our advisers have access to all insurance providers and provide an unbiased advice
  • We can help you find the right insurance and help you protect those who matter most
  • We don't have any fees

Call us on 01780 480600

Speak to an adviser

Emma

Choice Mortgages have provided me with a fantastic consultative service for over 10 years. I've had absolute peace of mind that everything related to my mortgage, home insurance, life insurance and critical illness insurance has been in hand. Nicki and the team have always given me informed guidance and I've had every confidence in their recommendations and products. A first-class service that I wouldn't hesitate to recommend.

A first-class service that I wouldn't hesitate to recommend.

Emma and her daughter

We can help you find right insurance product

Our insurance brokers can see the whole picture

The River Welland running under a bridge in Stamford, Lincolnshire, England

Based in Stamford, Lincolnshire

Choice Mortgages is an independent mortgage broker; having access to thousands of mortgage and protection products on the market. Our office has been located in Stamford for over 20 years and we have a team of professional advisers with a vast amount of experience.

We offer a free no obligation consultation and help you find the most suitable solution. Understanding lenders criteria and how you are eligible for a mortgage is paramount.

We provide a dedicated personal service and work closely with you every step of the way; organising the paperwork and taking care of the entire application process, making the transaction far less stressful for you. We know lives are busy and we can alleviate the time pressure, by offering telephone or face-to-face appointments.

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