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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  Why do I need critical illness cover?

  1 in 5 men suffer a critical illness before their normal retirement age. 1 in 6 women suffer a critical illness before their normal retirement age.

  Is there a waiting period to receive payment on a Critical Illness claim?

  All Critical Illness policies require you to survive a specified number of days following diagnosis in order to have a valid claim. The typical survival period is 28 days but some insurance companies have reduced this to 14 days.

  The following might help you decide how much cover you need.

  How much would you need to repay your mortgage, overdraft, loans or any credit card balances? The freedom that comes from being debt free does wonders for recovery

  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 happens if your condition improves after making a claim on your Critical Illness policy?

  Once the insurance company has paid you the money is yours to spend how you like. The policy is terminated and your insurer has no interest on how you live your life or indeed whether your condition improves or is healed.

• 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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