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Critical Illness

It is expected one in three people are diagnosed with some form of cancer during their lifetime.

Critical illness insurance is an insurance product where the insurer is contracted to typically pay a lump sum payment if the policyholder is diagnosed with a critical illness listed in the insurer’s policy.

The lump sum received could be used to pay:

• Costs of the care and treatment
• Any recovery aids
• Financial debt
• Cost of dependants (children)

It may also provide an income due to incapacity or to fund a change in lifestyle.

Critical Illness insurance cover is becoming increasing popular as more and more people are becoming aware of the consequences of being diagnosed with a critical illness. Most people’s debts have now increased and are seeing this policy as an importance.

Some providers have developed plans that will pay out a proportion of the insured cover, upon severe illness, rather than having to be diagnosed as critical.

Critical Illness insurance policy can be combined with life insurance and in some cases premiums are cheaper with built in life cover.

Critical Illness insurance policies are generally reviewed on a 5 yearly basis and the option to guarantee the rates over a longer period is available.

Critical Illness typically covers;

Alzheimer’s Disease – resulting in permanent symptoms
Aorta Graft Surgery – requiring surgical replacement
Aplastic Anaemia – with permanent bone marrow failure
Bacterial Meningitis – resulting in permanent symptoms
Benign Brain Tumour – resulting in permanent symptoms
Blindness – permanent and irreversible
Cancer – excluding less advanced cases
Cardiomyopathy – of specified severity
Coma – resulting in permanent symptoms
Coronary Artery By-Pass Grafts – with surgery to divide the breastbone
Creutzfeldt-Jakob Disease (CJD) – resulting in permanent symptoms
Deafness – permanent and irreversible
Dementia – resulting in permanent symptoms
Encephalitis – resulting in permanent symptoms
Heart Attack – of specified severity
Heart Valve Replacement or Repair – with surgery to divide the breastbone
HIV infection – caught from a blood transfusion, physical assault or accident at work
Kidney failure -requiring dialysis
Liver failure – of advanced stage
Loss of hands or feet – permanent physical severance
Loss of Speech – permanent and irreversible
Major Organ Transplant
Motor Neurone Disease – resulting in permanent symptoms
Multiple Sclerosis – with persisting symptoms
Paralysis of limbs – total and irreversible
Parkinson’s Disease – resulting in permanent symptoms
Primary Pulmonary Hypertension – of specified severity
Progressive Supranuclear Palsy – resulting in permanent symptoms
Respiratory failure – of advanced stage
Stroke – resulting in permanent symptoms
Systemic Lupus Erythematosus – with severe complications
Terminal Illness
Third Degree Burns – covering 20% of the body’s surface area
Total and Permanent Disability
Traumatic head injury – resulting in permanent symptoms 

Different policies may cover different definitions of the range of conditions and it is therefore important that any policy you undertake covers the range of illnesses that you feel are relevant to you.

If you would like to know more please submit your details and one of our insurance brokers will call you to discuss your requirements. We are ‘whole of market’ and work with a range of insurers from well-known house names such as Aviva, Friends Life, Legal & General and Zurich, amongst others.

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If you’re interested in an insurance policy or just need insurance advice, simply fill in your details below. An insurance advisor will be in touch to discuss your requirements.