Critical Illness Cover
Designed to give you a cash lump sum in the event you are diagnosed with a critical illness
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WHAT IS CRITICAL ILLNESS COVER?
Critical illness cover supports you financially if you’re diagnosed with one of the critical illnesses included in your policy, such as cancer, heart attack or stroke. It usually provides a tax free, lump sum payment in the event of diagnosis, and is designed to give you financial stability in the worst of times. Critical illness insurance will pay out if you get one of the specific medical conditions or injuries listed in the policy. It only pays out once, after which the policy ends.
- This cover can be taken on its own or as a combined policy with Level Term or Decreasing Term Life Insurance
- Most providers also include free critical illness insurance for your children
- You can select the amount you are insured for, usually between £10,000 and £1m
- Premiums for this cover can start from as little as £8 per month, however it is more expensive than stand alone life insurance.
- Available to most UK residents aged 18-85 subject to medical/lifestyle questions.
- Flexible plan that you design to fit around you and your family's requirements
- Single or joint policies available - if joint will pay out on first critical illness
- Not every illness is covered with every policy. Each provider offers their own critical illness cover and we search across the market to find one you feel is most suitable for you
DID YOU KNOW?
- ½ of all people will be given a cancer diagnosis at some point during their life.
- 1in 6 people will be given a cancer diagnosis during their working life.
- 1 in 4 men and 1 in 5 women will suffer a critical illness before they reach retirement age.
- Every 2 minutes someone new is diagnosed with cancer in the UK.
- Average age of a CIC claim is 48. In the UK average salary peak is in your 40s.
- Every 5 minutes someone is admitted to a UK hospital with a diagnosed heart attack.
- 80% of cancer survivors end up in debt as a result of their diagnosis.
Most of our customers are surprised at how little this cover can start from, and applications can take as little as 10 minutes there along with.
The conditions and illnesses covered can vary significantly between different insurers so our experts will be happy to show you your most comprehensive options.
