Looking for Critical Illness Cover?

Critical illness cover is a kind of sickness insurance which could help protect your future and your loved ones. If you have critical illness insurance and you’re diagnosed with a serious illness, you’ll receive a tax-free payout.

A payout from your insurer could help to support you and/or your family in a life-changing situation. Your illness could leave you unable to work, and a sickness insurance payout could help towards your outgoings. You get to decide how you spend it.

Every critical illness policy is different, but each has a list of conditions attached to it. If you’re diagnosed with an illness that’s listed on your policy, you’ll be able to make a claim and receive a payment.

Critical illness insurance, UK wide, also pays out if you’ve been diagnosed with a life-changing illness that’s not likely to result in death. For example, it would usually cover Alzheimer’s disease or a major organ transplant. Most critical illness policies also cover permanent disability caused by illness or injury.

If you want critical illness insurance for a certain condition, look for a policy that covers it before you apply. Insurers have different definitions of critical illness and terminal illness. A terminal illness is when you’ve been given 12 months or less to live.

Critical illness cover, UK wide, only pays out once. Remember that once you’ve had a payout, the policy ends. That means you’ll no longer have a critical health insurance policy.

But, if you have life insurance and have added critical health insurance to that, it’s a different situation. You’ll get a payout when you die and also if you’re diagnosed with a critical illness.