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Critical Illness Cover is insurance that pays out
if you are diagnosed with an illness specified within
the policy. It is designed to help you adapt if
your life is changed by an illness.
The illnesses covered
by each policy will differ, so it is important
to read the full details of the plan you are considering.
The following illnesses are typical:
• Blindness
– permanent and irreversible;
• Cancer – excluding less advanced cases;
• Coma – resulting in permanent symptoms;
• Deafness – permanent and irreversible;
• Heart Attack – of specified severity;
• Kidney Failure – requiring dialysis;
• Stroke – resulting in permanent symptoms.
Insurers may also
exclude some illnesses because you already have
them, or are likely to get them because of your
health or lifestyle. The premiums are often reviewable,
meaning they may change during the term of the
policy; although, some providers offer fixed premiums
that are guaranteed not to change.
Critical Illness
cover is not designed as a replacement for your
income. If you are looking for cover to protect
your income if you are unable to work then please
contact us for advice.
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