Critical Illness Cover

What is Critical Illness Cover?

Critical illness Cover pays out a tax-free lump sum if you’re diagnosed with a serious illness. This lets you focus on getting better instead of worrying about if the bills are paid.

• Protect your family and home.
• Covers you for up to 125 illnesses.
• Includes cover for children (up to £25,000).

What’s the difference between Critical Illness & Terminal Illness Insurance?

The difference between these two is simple. Critical Illness Cover pays out as soon as you’ve been diagnosed with a specific condition.

Terminal Illness Insurance only pays out if you get diagnosed & your doctor expects you to die in the next 12 months (you have to be terminally ill). This makes critical illness cover a more comprehensive option.

Considerations Before Buying

• Understand the Terms: Be sure you understand what is and is not covered. Critical illness policies vary, and not all conditions are covered.
• Disclosure: Be honest about your medical history when applying for cover. Failure to disclose relevant details could invalidate your policy.
• Premiums: Premiums can vary based on your age, health, and the level of cover. It’s essential to find a balance between affordable premiums and adequate coverage.

Get Covered