Critical Illness Cover
Serious illness shouldn't derail your finances. Help yourself focus on your recovery with a Critical Illness cover.
When you become seriously ill, you have enough to worry about without thinking about your finances
Critical Illness Insurance goes beyond peace of mind. It’s a financial safety net that helps you weather unexpected illness and unable to work. It provides a lump sum payout that empowers you to weather the storm.
This can mean covering essential bills, exploring advanced treatment options, or even adapting your home for a smoother recovery.
Ultimately, Critical Illness Insurance gives you the freedom to focus on healing, knowing your finances are protected.
Benefits of Critical Illness Cover
Your insurance payout could be used in key ways to help improve your life while you recover. Here are a few examples…
Pay off your mortgage, loans, credit cards or an overdraft
Cover your living costs if you’re unable to work
Pay for advanced specialized treatments you need
Adapt your home and make it easier to live with your condition
What’s included in Critical Illness Cover
What’s covered
- Your cover payment is triggered by diagnosis and/or treatment of one of the conditions covered by your policy. These vary according to the insurer.
- Your cover amount is paid out in full, but your policy will then come to an end.
- Some insurers also cover early stages of some conditions, giving a partial payout when you are diagnosed or placed on an NHS waiting list for treatment. If this is the case, you do not need to wait until you have surgery or develop permanent symptoms to receive a payment. This can be very helpful if you wish to get private medical treatment, rather than waiting for the NHS.
What’s not covered
- Being diagnosed with an illness or condition not listed in the policy.
- Some insurers require you to survive a certain number of days after treatment in order to receive the policy payment.
Critical Illness Cover FAQs
How does critical illness cover work?
How much critical illness cover do I need?
Do I need critical illness protection?
Should I have the same level of cover for my life insurance and critical illness cover?
What age should you get critical illness cover?
Shield your income and family’s financial security with Critical Illness Cover
Get the most of your critical illness cover with our expert advisors who will walk you through your options and help you find the perfect policy.