Critical Illness Insurance Providers

Critical Illness insurance cover can provide financial protection if you are diagnosed with a specified critical illness within the policy term.  The benefit amount can be level, increasing or decreasing. The policy will end if the provider pays out the benefit amount and if this amount has not been paid out by the end of the term, the policy will end and you’ll get nothing back. The critical illness policy has no cash-in value.

Taking the time to make sure you purchase the right policy from a critical illness insurance provider is an important decision particularly if you should be unfortunate to become seriously ill in the future.

As is the case with other insurance providers, critical illness providers will take a number of different factors into consideration before calculating the cost of their premiums. The following are some examples of common factors that will play a part: 

  • Your age and gender
  • Your medical and family history
  • Your lifestyle and occupation (alcohol intake and smoking habits play a part)

Any dangerous or risky habits or pastimes, such as skydiving, boxing , rock climbing etc will also play a part. For quotes and advice please see below:

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Like all other types of insurance, critical illness insurance providers will analyse these factors closely in order to judge the risk of a claim being made against the cost of the customers insurance premiums. 

Although there are several different types of policy that are offered by insurance providers, agreements are usually divided into two distinct categories.

Reviewable premium agreements are perhaps the more common form of policy offered by providers. Under the terms of this agreement, premiums will be subject to a review every 5 years by the insurer, who will assess any changes of circumstances and then recalculate the cost of the insurance.

A Guaranteed policy will ensure that premiums remain the same for the duration of the agreement. This agreement is usually more expensive initially, but far more efficient in the long term.

Although there are a number of different critical illness providers that may each offer highly competitive insurance quotes, it is important to remember that these initial quotes will often only be an estimate and therefore should not be considered as final.