Critical Illness Cover

Critical Illness Cover

Statistics surrounding illness in the UK seem scarier by the day. While it’s impossible to predict the nature of a serious illness diagnosis, having a critical illness insurance policy can help to ensure you’re financially prepared.

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Why get Critical Illness cover?

If life throws a curveball, and you were diagnosed with a critical illness, the tax-free cash lump sum from this policy could be a game-changer. We typically recommend covering yourself for a year's salary meaning the tax-free lump sum can take the financial stress off your plate. This money can help cover loss of income and household expenses allowing you to take time off work to focus on recovery without worrying about your finances. Plus, many of these policies include children's critical illness cover too, meaning your entire family is protected if the unexpected happens. Critical illness cover is about peace of mind when you need it most.

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FAQs

Answering your Critical Illness Cover questions

What conditions are covered by Critical Illness Cover?

This policy typically covers major conditions like cancer, heart attack, stroke, and multiple sclerosis. Always check your policy details for a full list.

What can I use the payout for?

When you receive your payout, you can use the lump sum for any purpose, there are no questions asked on where and how you spend this money. For example, you could use the lump sum for travel, if care is further away, debt repayment, adapting your home to fit your illness or even a holiday to make memories with your loved ones.

What's the difference between Critical Illness Cover and Health Insurance?

Critical Illness Cover can pay out a one-off lump sum following the diagnosis of a defined serious illness, whereas Health Insurance can help you skip the NHS queue and get seen faster.

Is Critical Illness Cover different from Life Insurance?

Life insurance pays out when you pass away, and critical illness insurance gives you a lump sum if you’re diagnosed with a serious illness, helping you financially during recovery.

Can I have both Life Insurance and Critical Illness Cover?

Absolutely. In fact, we recommend having both policies. These types of insurance policies complement each other well and will cover you for different scenarios.

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