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, chronic or terminal illness which is listed on the policy, or require a specific type of operation which is listed on the policy or you suffer from any condition or have an accident that totally and permanently prevents you from working.

STEP 1 of 2
Type of cover
Life Insurance       Mortgage Life Insurance
 
Cover Level (£)

Number of years
Do you want:  
Critical illness cover
Family income benefit
 

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What decisions will you have to make before you can get a quotation?
You will have to make four decisions:
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.
Are Critical Illnesses In Pregnancy Covered?
Pregnancy does not affect any claim under critical illness insurance. It would be hard to make a case that pregnancy was a ‘self-inflicted injury’!
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 if you develop another critical illness or have a reoccurrence of a Critical Illness ?
After a successful claim the insured sum will be paid to you and that ends the policy. There can be no further claims.
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