What is Critical Illness Insurance?
Critical illness insurance pays you a tax-free sum of money if you are diagnosed with a serious, chronic or terminal illness which is listed on the policy, or require a specific type of operation which is listed on the policy, or you suffer from any condition or have an accident that totally and permanently prevents you from working.

Why do I need critical illness cover?

1 in 3 people develop cancer sometime in life. | 1 in 4 males and 1 in 5 females will suffer a serious illness before retirement. | Around 120,000 people have Parkinson’s Disease and 1 in 7 are under 40 when diagnosed. | Coronary Heart Disease is responsible for 12% of all working days lost through sickness. | Each year, 120,000 people suffer strokes in the UK.

Around 120,000 people have Parkinson’s Disease and 1 in 7 are under 40 when diagnosed. | Coronary Heart Disease is responsible for 12% of all working days lost through sickness. Each year, 120,000 people suffer strokes in the UK.

The Insurance Helpline - Critical Illness Insurance

If you fall seriously ill there is a lot to be said for having a financial cushion to make things easier. The money from a critical illness policy can be used for anything - medical expenses, repaying the mortgage, making your home easier to live in, etc.

Surviving a critical illness can change your life in many ways - and impact upon your lifestyle. You may have to give up work and have ongoing medical bills. Having extra financial resources available would help you to manage these changes.

Please note that not all cancers are covered by Critical Illness policies. You must read the conditions that are covered before you proceed.

For anyone considering a critical illness policy we recommend that you:

  • Contact us to check if you could get the same policy cheaper - if you already have an existing policy.
  • consider putting your policy into trust
  • never cancel your existing protection arrangements until you seek independent financial advice
  • always take independent financial advice if you have any concerns about your critical illness requirements

The Insurance Helpline - Contact Us