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What Is Critical Insurance?

Critical illness cover protects you and your family if you are diagnosed with a specified illness or medical condition during the term of the policy.
Critical Illness insurance covers diseases such as Cancer, a Heart Attack or Heart Failure, Alzheimer’s Disease, Parkinson’s Disease, Stroke, Deafness, Kidney or Liver Failure and many more.

Do I need critical illness cover?

Would your business or employer support you financially if you were being treated for a serious illness?

Would your loved ones be able to financially maintain their lifestyle if you were no longer able to work?

Would your children be able to complete their education?

Could you cover your monthly outgoings such as rent or a mortgage or car payments if you became seriously ill and could not earn a living?

If you answered ‘no’ to any of these questions, you should consider arranging a protection plan that can help you cope financially if your circumstances should change.

The need for critical illness insurance has increased in line with life expectancy. The longer we live, the more likely we are to battle illness, and this means incurring increased expenses that can seriously deplete your personal savings quickly.

What is the difference between Life Insurance & Critical Insurance?

Life insurance pays out a lump sum to your beneficiaries if you die. If you have critical illness cover on your policy, a payout is made on diagnosis of a critical illness like cancer, a tumour, or a heart attack.
The funds from these policies are often used to pay off a mortgage, joint and several debts that would otherwise be transferred to your partner or to cover rent and day-to-day expenses such as utility bills, educations costs and whatever your day to day living costs are.
Funds can also be used for any extra medical care that might be required or to provide nursing care to help with any recovery.