Critical Illness Cover Quote

Critical Illness Cover

Critical illness cover has come a long way since its introduction almost 30 years ago as a means to pay for major medical expenses for terminally ill people.

From a policy that paid out on diagnosis of five or six critical illness conditions such as

1. Cancer
2. Stroke
3. Heart Attack
4. Organ Transplant
5. Kidney Failure

There are now critical illness insurance plans covering many more conditions, up to 154; the improved benefits supporting income replacement and financial support in the event of a claim.

What is critical illness cover?

It’s an Insurance plan that will pay a tax free lump sum on diagnosis of a wide range of illnesses and help redress financial hardship and the effects a serious illness would have on your income.

Just some of the financial benefits you would have ...

• The very best medical care
• Maintaining your mortgage and debt repayments
• Replacement of income due to reducing working hours or changing occupation
• Adjustments to your home due to possible physical disability
• Lifestyle choices like a special holiday or new car

Critical illness insurance serves a great purpose in our society, with £6 million paid out per day by insurers in financial benefits to families, enabling them to essentially have peace of mind about the essentials of life.

Money alone cannot stop a critical illness event happening or offer miracle cures, but in times where a family suffers from the financial affects of an illness, the payout from a competent well chosen critical illness cover insurance policy will ease the financial strain that is inevitable with such a dramatic event.

Selecting the cover conditions is paramount to selecting the Provider; the confusion of which product covers and pays out what amount should only be selected with proper Regulated Advice Choosing the right policy isn’t just important – it’s CRITICAL.

Common Conditions	Heart Conditions	Neurological Conditions	Immune System
Heart Attack	Aorta Graft Surgery	Benign Brain Tumour	Aplastic Anaemia
Cancer	Heart Valve Replacement	Parkinson’s Disease	Rheumatoid Arthritis
Stroke	Coronary Artery Bypass Grafts	Alzheimer’s Disease	Systemic Lupus Erthematosus
Multiple Sclerosis	Angioplasty	Pre-Senile Dementia	Organ Failure
Virus & Disease	Cardiomyopathy	Motor Neurone Disease	Kidney Failure
Bacterial Meningitis	Open Heart Surgery	Encephalitis	Liver Failure
Diabetes (Type 1 age 40+)	Primary Pulmonary Hypertension	Creutzfeldt-Jakob Disease	Major Organ Transplant
HIV Infection	Pulmonary Artery Surgery	Progressive Suparnuclear Palsy	Severe Lung Disease
Accident Or Disability	Organ Failure	Other	Extra Benefits
Coma	Kidney Failure	Total & Permanent Disability	Low Grade Prostate Cancer Cover
Third Degree Burns	Liver Failure	Terminal Illness Cover	Total Mastectomy Cover
Loss of Hands & Feet	Major Organ Transplant		Childrens Cover
Paralysis of Limbs	Severe Lung Disease		Accident Hospital Cover
Blindness
Deafness
Traumatic Head Injury
Loss of Independence
Loss of Speech