What is Critical Illness Cover?

A critical illness plan is designed to pay out a lump sum on the diagnosis of certain specified illnesses. It is often added to a life insurance policy as an additional benefit but can also be a standalone plan.

“It’ll never happen to me” is what we all think, until it does. Sadly, we never know what’s around the corner for us and our loved ones. That’s why many people choose to invest in Critical Illness Cover.

Who is Critical Illness Cover For?

A Critical Illness Plan is designed for those individuals or families who want a lump sum if they are diagnosed with a critical illness, such as cancer, heart attack or stroke. For many people, the policy gives them security knowing they can pay off their debts, such as their mortgage if they are unable to work.

The lump sum could even be used to pay for any necessary alterations to your home following your diagnosis. The quality of cover and the illnesses covered can vary significantly between different providers. Not sure which policy to pick? Let us help you decide with independent critical illness cover advice.

What Does a Critical Illness Plan Cover?

Every Critical Illness Plan is different. That’s why it’s important to read the small print before signing up for a plan. There are many factors the provider will consider before issuing your critical illness plan, including your health, age and family history. Many policies cover terminal illnesses, including cancer. You may also be covered for chronic diseases such as Multiple Sclerosis.

Get in touch to book your free consultation today and we’ll help you find the right Critical illness Plan for you.

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Plans may not cover all the definitions of a critical illness. The definitions vary between product providers and will be described in the key features and policy document, if you go ahead with the plan.

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