Critical Illness Protection

What is Critical Illness cover and what does it protect you against?

Critical illness cover is a type of insurance that provides you with a lump sum payout if you are diagnosed with a critical illness. This payout can be used to help cover medical costs and other associated expenses.

This type of insurance can help to ease the financial burden on you and your loved ones during a difficult time.

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Common illnesses covered by critical illness protection

Critical illness cover can vary between your needs and requirements, some of the most common critical illnesses include:

  • Heart attack
  • Stroke
  • Cancer
  • Kidney failure 
  • Multiple Sclerosis
  • Organ failure. 

Our insurance brokers will help guide you through different policies which can get the best type of cover for your needs.

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Who needs critical illness protection

It is an important form of protection for anyone who wants to ensure their loved ones will receive financial assistance following their diagnosis.

People of all ages including over 50s  could benefit from critical illness protection, but it can be especially important for those in high-risk professions or with pre-existing conditions.

Additionally, if you have dependents such as children or a spouse relying on your income, having critical illness protection can be an invaluable way to ensure they are taken care of if something were to happen to you.

How much does critical illness protection cost?

Critical illness cover can be an expensive form of life insurance, but how much you pay for it depends on the variety of factors. These include your age, overall health, lifestyle, occupation and family history.

Generally speaking, the older you are when purchasing critical illness cover with life insurance, the higher premiums will be. Other factors that may affect the cost of your critical illness cover include any pre-existing conditions and any additional benefits you wish to add on to your policy.

The amount of money available in the event of a critical illness varies depending on the type of plan you purchase, but it is typically a percentage of the total sum insured. 

Important things to consider before purchasing Critical Illness cover

Before purchasing Critical Illness cover, be sure to read the terms and conditions carefully. This will help you to understand exactly what is covered under the policy and what is not. It is also important to make sure that the policy is right for you and your family.

Consider how much coverage you need and what the premiums will be.  Finally, be sure to ask questions about the policy so that you are fully aware of what you are purchasing.

Which critical illness protection is right for me?

When deciding which type of protection for critical illness policy is best for you, there are a few factors to consider.

Here are a few tips on how to choose the right policy for you

  • Make sure you understand what is covered under the policy. This will help you to determine if the policy is right for you and your needs. 
  • Make sure you are comfortable with the premiums and fees associated with the policy. 
  • Ask questions about the policy so that you are fully aware of what you are purchasing. 
  • Compare different policies to find the best one for you.  
  • Choose a policy that provides the right amount of coverage for you and your family
  • Make sure you review the policy regularly to ensure that it still meets your needs. 
  • Get advice from a financial advisor if you are unsure about which policy to choose.   

Critical illness cover can be an important safety net for you and your family, as it can help to ease the financial burden in the event of a major health setback. Our team of experts aim to provide you with the best critical illness cover, suited to you entirely.

To get a quote or speak to a member of our team, please contact us today for a free impartial advice about critical illness cover.

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Compare critical illness cover for the best deal for you.

Our team of UK life insurance brokers search the entire insurance market and compare the best critical illness cover quotes to get the best one for your situation and needs.

Critical Illness policies can be flexible and work around you. We review our providers each year to make sure you are getting the best deal for you.

We're here to take everything off your hands and leave the living up to you.

Other insurance policies related to life cover you may be interested in.

Over 50s Life Cover

Mortgage Protection Insurance

Family Income Benefit