Critical Illness Articles Menu

1 Is critical illness a good deal ?

2 Critical Illness Insurance - Critical or Ridicule?

3 Critical Illness Insurance and Life Insurance Cover for Better and for Worse

4 Critical Illness Insurance The non-disclosure problem

5 Critical Illness Insurance. Critically important - time to take cover

6 If only they'd had Critical Illness Cover

 

Critical Illness FAQ's

• What is Critical Illness cover?

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  How long should you insure for?

  20 to 25 years is most common but it really depends on how much you can afford and your personal circumstances.

  Will Critical Illness policies permit the use of alternative medicines?

  After you have been diagnosed with a qualifying Critical Illness and the claim has been paid you can spend your money however you like. So if you want to spend some of your money on alternative medicines then that’s entirely your choice.

  What level of critical illness cover could your children get?

  Insurance companies normally impose a maximum limit on any claim under the policy’s provisions for children. Sometimes the limit will be lower of a percentage of your own sum assured (e.g. 25% or 50%) or a set amount (typically £15,000 or £20,000).

  Is there a minimum or maximum premium for critical illness cover?

  Minimum premiums vary from company to company but they can be as little as £5 per month.

  What information do you need to provide to apply for a Critical Illness policy?

  The Application form will ask questions regarding your height, weight, age, sex, current state of health, occupation, hobbies etc.

• Why do you need Critical Illness cover?
• Why do you need to consider a new Critical Illness policy if you already have one?
• What could Critical Illness cover be used for?
• Is there a waiting period to receive payment on a Critical Illness claim?
• How much Critical Illness cover do you need?
• Is there a minimum or maximum amount of Critical Illness cover available?
• How long should you insure for?
• What other benefits can be added to a Critical Illness policy?
• What conditions are considered critical?
• What is “total and permanent disability”?
• Are critical illnesses in pregnancy covered?
• How will a Critical Illness claim be paid?
• What decisions will you have to make before you can get a quotation for Critical Illness insurance?
• Can you include your partner on your Critical Illness policy?
• Can you and your partner have different levels of cover on a Joint Critical Illness policy?
• Should you have a “Guaranteed” or a “Reviewable” policy?
• Why, when you only want Critical Illness cover, should you consider combining it with Life Insurance?
• Will a claim for Critical Illness affect any State Benefits?
• Are you allowed to continue working after a Critical Illness claim?
• What happens if your condition improves after making a claim on your Critical Illness policy?
• What happens if your condition deteriorates after making a claim on your Critical Illness policy?
• What happens if you develop another Critical Illness or have a reoccurrence of a critical illness?
• Can you extend or increase my Critical Illness cover at a later date?
• Under a combined Life Insurance and Critical Illness policy, is the value of cover the same for both the life and Critical Illness provisions?
• Will Critical Illness policies permit the use of alternative medicines?
• Can you include your children on a Critical Illness policy?
• Are future children included on a Critical Illness policy?
• What level of Critical Illness cover could your children get?
• How much does Critical Illness cover cost?
• Is there a minimum or maximum premium for Critical Illness cover?
• What is the difference between Critical Illness cover and Terminal Illness cover?
• What information do you need to provide to apply for a Critical Illness policy?
• Will you need a medical if you apply for a Critical Illness policy?
• What information will be needed at the time of a Critical Illness claim?

 

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