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Hot Topics
- What is Critical Illness cover?
- Critical illness cover is an insurance which pays you a tax-free sum of money if you are diagnosed as having a serious,
- 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.
- What could Critical Illness cover be used for?
- Anything you want. Medical expenses, repaying the mortgage, making your home easier to live in, school fees, general living expenses, but to name a few.
- Should you have a “Guaranteed” or a “Reviewable” policy?
- When a policy is first started Guaranteed policies have higher premiums than Reviewable policies - but in the longer period Reviewable policies generally work out more expensive.
- 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.
Critical Illness FAQ Home
General Questions
- What is Critical Illness cover?
- 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?
Aspects you have to make decisions about when buying Critical Illness Insurance
- 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 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?
- What other benefits can be added to a Critical Illness policy?
Questions about what is insured
- What conditions are considered critical?
- What is “total and permanent disability”?
- Are critical illnesses in pregnancy covered?
- Will Critical Illness policies permit the use of alternative medicines?
Questions about children
- 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?
Questions about cost
- How much does Critical Illness cover cost?
- Is there a minimum or maximum premium for Critical Illness cover?
Is it really Critical illness Insurance you need?
Questions about the application procedure
- 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?
Questions about making a claim and afterwards
- What information will be needed at the time of a Critical Illness claim?
- How will a Critical Illness claim be paid?
- 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?
Other
- 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?