Hot Topics

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.
What level of critical illness cover could your children get?: Insurance companies normally impose a maximum limit on any claim under the policy’s provisions for children. Sometimes the limit will be lower of a percentage of your own sum assured (e.g. 25% or 50%) or a set amount (typically £15,000 or £20,000).
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 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.

Will you need a medical if you apply for a critical illness policy?

In order to correctly assess the risk they are being asked to accept an insurance company may require further information from your GP or request that you undergo a medical. In most cases these medicals only take five or ten minutes.

You may be able to arrange for the medical to take place at your home otherwise you will have to go to the consulting rooms for the Doctor appointed by the insurance company. The insurance company will always try to arrange for their Doctor to see you locally.

An insurance company is most likely to ask for a medical where the sum insured is high or where there are existing health issues.

However, a request to have a medical does not necessarily mean they will increase your premium or that they are concerned about your health. In most cases it is just because you are applying for a level of cover higher than their medical limits.

Your insurance company will always meet the cost of the medical.

Frequently Asked Questions related to the above topic.
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Hot Topics

Will you need a medical if you apply for a critical illness policy?

In order to correctly assess the risk they are being asked to accept an insurance company may require further information from your GP or request that you undergo a medical. In most cases these medicals only take five or ten minutes.

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: -