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Hot Topics
- 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
- What other benefits can be added to a Critical Illness policy?
- Life cover is a must. Then consider Waiver of Premium and Indexation.
- Are future children included on a Critical Illness policy?
- All natural, step and legally adopted children are insured under a Critical Illness policy so long as they are aged between 1 and 18 years (although some companies only consider children from aged 3).
- 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.
- 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.
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?