Critical Illness
The critical illness cover we advise on provides quality protection for you and your family if you become seriously ill. We know everyone’s circumstances are different so we can tailor our advice and make adjustments to suit you and your situation.
What is Critical Illness Cover?
A serious illness could happen at any time, we have the insurance solutions so you have one less thing to worry about.
The critical illness cover we advise on provides quality protection for you and your family if you become seriously ill. We know everyones circumstances are different so we can tailor our advice and make adjustments to suit you and your situation.
What is included in the cover?
Critical illness cover includes 31 full payment conditions that pay 100% of the amount of cover, and 2 additional payments that pay 25% of cover up to £25,000. Children’s Critical Illness Cover is included as standard and Children’s Critical Illness Extra can be added for an extra cost.
What are the benefits?
You can cover crucial outgoings
If you’re unable to work due to a critical illness, the cash sum from a valid critical illness claim could help cover your mortgage, rent or other expenses such as medical bills. It can also help with your recovery and adjusting to a new way of life after a critical illness diagnosis, such as adapting your home to make life easier.
The payout is tax-free
Peace of mind
What is Childrens Critical Illness Cover?
We hope we are never affected by a serious illness but in reality it can happen at any age.
Children’s Critical Illness Cover is automatically included on your policy at no extra cost. This insurance product covers many childhood cancers, stroke and benign brain tumour. Cover is valid for individuals at the age of 2 up to the age of 22 and applies to natural children, legally adopted children or stepchildren of the adult covered. This cover can be enhanced with Children’s Critical Illness Extra for an additional cost if they want more protection for an unlimited number of children.
What is included in the cover?
As with regular critical illness cover, the policy will only pay out for a children’s illness if your child is diagnosed with one of the illnesses or condition listed in your policy. And since children’s cover is included as an additional benefit, it’ll only pay out a proportion of your cover amount.
The good thing about an additional benefit is that your policy doesn’t end after a claim; if you claim for a children’s illness, your policy remains in place, and you can still claim the full amount at a later date if you yourself are diagnosed with a critical illness.