Critical Illness and Life Cover

A critical illness insurance policy will provide financial protection on diagnosis of a prescribed critical illness condition outlined in the policy wording e.g. certain types of cancer, major strokes and heart conditions. This type of cover requires caution as one provider may cover conditions that the next does not so the premium quoted has to be considered in light of this.

A life insurance policy will provide a payment upon the policy holder’s death or their diagnosis with a terminal illness.

In combining a critical illness insurance policy with life insurance cover the policyholder can get cover which is more cost effective than having two separate policies. there will however be only one payout.

In assessing an application for critical illness and life cover the insurance company will take into account any existing medical conditions, and lifestyle factors e.g. smoking

Critical illness cover can be expensive so it pays to shop around – use our quote service to get a better deal.