Critical illness cover

Understanding critical illness cover

Understanding critical illness cover

Critical illness cover is designed to pay a lump sum if you are diagnosed with a specified serious illness, subject to the definitions and terms set out in the policy. The conditions covered, and the circumstances under which a claim may be paid, vary between insurers.

The payment from a critical illness policy can be used in any way you choose. Some people use it to help manage financial commitments, while others use it to support lifestyle changes following a serious diagnosis. It is important to understand that not all illnesses are covered, and claims are only paid if the condition meets the policy definition.

Critical illness cover can be arranged on its own or alongside other protection policies. We can explain how these policies work, outline the key features and exclusions, and help you consider whether this type of cover is appropriate for your circumstances and budget.

4 Tips to Prepare for Your Quote

Getting a protection quote is simple when you know what to expect.

1. Your Health

Insurers look at your medical history and any existing conditions. Being clear and accurate helps ensure you get the right level of cover and a fair premium.

2. Your Occupation

Some jobs carry more risk than others. Your occupation helps insurers assess the likelihood of a claim and can influence your premium.

3. Your Age

Younger applicants usually pay less, so securing cover early can help lock in lower long-term costs.

4. Your Lifestyle

Smoking, drinking, or high-risk hobbies can affect your premium. Your lifestyle helps insurers understand your overall risk level.

Expect a seamless, straightforward, and stress-free journey.

Whether it’s getting the keys to your dream home or arranging the right protection, we keep every step simple and stress-free — from enquiry to completion and long after.

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STILL NOT SURE?

Frequently Asked Questions

1. What is Critical Illness Cover?

Critical Illness Cover pays out a lump sum if you're diagnosed with a serious medical condition listed in your policy. It’s designed to give you financial support during a challenging time.

2. What illnesses are covered?

Policies typically cover major conditions such as cancer, heart attacks, strokes, and other serious illnesses. The exact list varies between insurers, so we’ll help you compare what each policy includes.

3. Can I get Critical Illness Cover for my children?

Yes. Many policies offer optional or built-in children’s critical illness cover, providing protection for your family if your child is diagnosed with a covered condition.

4. Is Critical Illness Cover expensive?

The cost depends on your age, health, lifestyle, and the level of cover you choose. We can help you find a policy that fits your needs and budget.

5. What’s the difference between Life Insurance and Critical Illness Cover?

Life Insurance pays out if you pass away during the policy term, while Critical Illness Cover pays out if you’re diagnosed with a specified serious illness. Many people choose to have both for broader protection.

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