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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.

What is “Total and Permanent Disability”?

“Total and Permanent Disability” means that if you are diagnosed with any illness, or have an accident, that totally and permanently prevents you from working, you have a valid claim.

Can You Include Your Children On A Critical Illness Policy?

Yes. Most insurers will automatically include children on your policy.

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).

What information will be needed at the time of a Critical Illness claim?

For a Critical Illness claim to be successful the insurance company’s claims department will need evidence that you have been diagnosed as having one of the listed critical illnesses. This evidence will normally come from a Hospital Consultant who is a specialist in the illness which has been diagnosed.