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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.
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.
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
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.
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 conditions are considered critical?

Years ago Critical Illness policies only covered heart attacks, strokes and cancer but today the list of insured illnesses is truly extensive.

When choosing a Critical Illness policy, care has to be taken to consider the schedule of critical illnesses that are insured. However, all the policies offered by ClickLife, our Product Partners, have already been carefully screened for you to ensure they cover a very comprehensive list of insured illnesses.

The Insurance Company’s ‘Key Features’ document will list the insured illnesses. ClickLife will post you a copy of your "Key Features Document"

The main illnesses that most people think of are:

Heart attack
Stroke
Cancer

The following list is typical for Critical Illnesses policies. But please note that the lists of qualifying illnesses can vary slightly between insurance companies: -

Alzheimer’s disease
Aorta graft surgery
Aplastic anemia
Bacterial Meningitis
Benign brain tumour
Blindness
Cancer
Cardiomyopathy
Chronic lung disease
Coma
Coronary artery by-pass surgery
Creutzfeldt-Jakob disease
Deafness
Dementia
Heart attack
Heart valve replacement or repair
HIV or AIDs from an assault, blood transfusion, occupational duties or accident
Keyhole heart surgery
Kidney failure
Loss of independent existence
Loss of limbs
Loss of speech
Major organ transplant
Motor Neurone disease
Multiple Sclerosis
Paralysis/Paraplegia
Parkinson’s disease
Progressive Supranulcear Palsy
Stroke
Third degree burns
Total and Permanent Disability
Cover for children

Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -

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Hot Topics

What conditions are considered critical?

Years ago Critical Illness policies only covered heart attacks, strokes and cancer but today the list of insured illnesses is truly extensive.

Frequently Asked Questions related to the above topic. Click below if you wish to read them: -

Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -