Critical Illness Cover |
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Critical Illness pays out a lump sum if you survive a specified critical illness, such as some forms of cancer, a stroke, MS, a major organ transplant, coronary artery bypass, heart attack and kidney failure. You can use the payout to pay for medical treatment, pay off your mortgage or anything else to ease your financial worries while you hopefully recover. Many providers now offer children's critical illness benefit within the adult or parents policy, this is a great additional benefit. If you have children and one was diagnosed with a critical illness and was in a hospital many miles away it is likely that you would want to stay with them or at the very least visit them everyday. This can become very costly and so offers a lump sum payout that can help assist with costs or replace lost income from having time away from work all at no extra cost and without affecting your own personal benefits of the polic The cost of the cover is normally calculated in a number of ways, the level of benefit required, increasing/decreasing/level, and one of the key factors is your current state of health. Obviously this could have a major impact on the premium you pay, example: if you was a smoker who recently was diagnosed with a heart condition it is likely you would expect to pay more due to the excessive risk than that of someone who was a none smoker and had no medical conditions or visited the doctor in the last 5 years. The policies can be complicated and can vary widely with regard to the illnesses covered so it is important to receive the correct advice, which is why we recommend that after completing or sourcing a quote from our site that you speak with one of our specialist advisors who will ensure that you have the correct type of cover required, and that is suitable and within your budget. Use our quick enquiry form to arrange a call back from a qualified advisor.
these are a sample of some of the companies available
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