Critical illness cover

What is Critical Illness Cover?

Being diagnosed with a Critical Illness can cause you and your family life changing consequences. By having Critical Illness Cover you are insured in case of this eventuality, upon diagnosis you simply make a claim and your pay-out will be made. This can ease the pressure of a reduced income or inability to work and provide comfort to you and your loved ones allowing you to concentrate on your health.

Each insurer is different but the majority of well-known insurers we work alongside cover the below Critical Illnesses, therefore should you be diagnosed with any of the below you would be entitled to claim your cash pay-out.

Why do people take out Critical Illness Cover?

The answer to this is simple – peace of mind. Not only for you but also for your loved ones. Most policy holders use Critical Illness Cover for:

How much does Critical Illness Cover cost?

This depends upon your policy and your individual circumstances. The cost can be dependent upon your:

Income Protection

What is Income Protection Insurance?

Income Protection Insurance is a long-term insurance policy which is to help you if you are unwell or injured causing you to be unable to work.

How much is Income Protection Insurance?

The answer to this is simple – peace of mind. Unless you would be able to survive on sick pay, benefits or by support from family, friends or savings then the loss of your income could mean that you struggle to pay your bills.

Income Protection Insurance will replace part of your income and will continue to be paid until you are able to return to work again or you retire. It covers most illnesses that would prevent you from being able to work and you can claim on the policy as many times as you need to.

One thing to remember is that there is often a waiting period before the payments start. Most policies will require you to exhaust your sick pay entitlements before making a claim, however if you are self-employed with no sick pay to fall back on then this sort of insurance policy is particularly relevant to you.

How much is Income Protection Insurance?

This depends upon your policy and your individual circumstances. The cost can be dependent upon your:

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