Critical Illness Insurance Advice

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.

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.