FAQ Home | General Questions | Critical Illness Insurance | Life Insurance | Home and Contents
Mortgage Payment Protection | Mortgage Life Insurance | Short Term Income Protection Insurance
Mortgages | Car Insurance | Loans | Private Medical Insurance | Travel Insurance
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.
Hot Topics
- Is there a waiting period to receive payment on a Critical Illness claim?
-
All Critical Illness policies require you to survive a specified number of days following diagnosis in order to have a valid claim. The typical survival period is 28 days but some insurance companies have reduced this to 14 days.
- Why, when you only want Critical Illness cover, should you consider combining it with Life Insurance?
-
Two good reasons: You are likely to save money! And if you died within the survival period (see below), the claim would still be paid under the terms of your Life Insurance.
- 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’!
- 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 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.
The following section contains many questions related to the above topic.
Click below if you wish to go there: -
Hot Topics
- Is there a waiting period to receive payment on a Critical Illness claim?
- All Critical Illness policies require you to survive a specified number of days following diagnosis in order to have a valid claim. The typical survival period is 28 days but some insurance companies have reduced this to 14 days.
- Why, when you only want Critical Illness cover, should you consider combining it with Life Insurance?
- Two good reasons: You are likely to save money! And if you died within the survival period (see below), the claim would still be paid under the terms of your Life Insurance.
- 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’!
- 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 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.
- What decisions will you have to make before you can get a quotation?
- What information do you need for a critical illness quote ?
- Can the critical illness policy be continued after a claim ?
- What happens if your condition improves after a claim ?
- Go to menu of Frequently asked Questions about Mortgage Life Insurance
- Go to menu of Frequently asked Questions about Life Insurance
- Go to menu of Frequently asked Questions about Critical Illness Insurance
- Go to menu of Frequently asked General Questions