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CRITICAL
ILLNESS

 DON'T WAIT FOR IT TO HAPPEN TO YOU FOR IT TO MATTER TO YOU

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WHAT IS CRITICAL ILLNESS COVER?

Critical illness cover is a type of life insurance policy that offers protection in the event of a serious illness or injury.

IN MORE DETAIL

Designed to leave you with peace of mind, if you’re diagnosed with an illness that your policy covers, you’ll usually receive a tax-free, one-off payment or monthly payment that will support these seriouschanges that are happing in your life at a crucial time.

 

Becoming ill doesn't come cheap. It's quite an expensive time of life. Having cover in place means there's one less thing to think about.

 

If you have dependants at home, the money from your policy will lighten the financial burden placed on your family.

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WHAT AM I COVERED FOR?

Critical illness insurance can also cover you if you’ve suffered a physical disability following an injury, such as after a serious accident at work.

 

Exactly what’s covered by critical illness insurance will depend on the specific details of the life insurance that you take out.

 

Critical illness varies slightly between providers and the severity of the condition can affect whether you’re covered or not, but a few examples of conditions are:

  • Heart attacks

  • Strokes

  • Non-terminal cancer

  • Organ transplants

  • Severe head injuries

Critical Illness and Terminal Illness are very ovfen confused, but they are very different

Critical illness has to be of a certain severity and from a list of covered conditions in your contract, which is then paid at the beginning regardless of outcome. Terminal Illness cover is paid when life expectancy is deamed to be less than 12 months and there is no cure.

Even conditions mentioned above, including heart attacks, strokes and non-terminal cancers, may not be included in your policy, unless they are deemed a significant threat.

 

Please be careful, when setting up a policy, to check exactly and really understand what you'll be covered for.

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