What is Critical Illness Insurance?

Critical Illness cover is a type of insurance policy that is designed to pay out a cash lump sum should the policyholder suffer a critical illness during the term of the policy.  Most policies cover things like Heart Attack, Cancer, Multiple sclerosis, strokes and many more serious illnesses.

Do I Need Critical Illness Cover?

Critical Illness brings you peace of mind that should you suffer one during the term of your policy and survive that you will be able to pay your mortgage off. Lets say you can’t work after suffering a Heart Attack a mortgage lender will still want paid. What would you do? What would your family do?

What’s Covered by a Critical Illness Policy?

Most policies have a core range that is covered. Generally speaking these would be illnesses that you would expect. Illnesses that prevent you from working. A full range can be found on a Key Features Document which your broker will be able to provide.

How much does Critical Illness Cover cost?

The cost of cover is dependent on various factors just like for life insurance. Age, smoker status, alcohol consumption, weight may all affect cost of premiums.

Call us today on 0131 463 5678 to receive a detailed illustration to match your needs and budget or simply use our quick contact form below. We look forward to hearing from you.