What is Critical Illness Insurance?
Critical illness insurance provides you with a lump sum of money if you are diagnosed with certain illnesses or disabilities.
The kinds of illnesses that are covered are usually long-term and very serious conditions such as a heart attack or stroke, loss of limbs, or diseases like cancer, multiple sclerosis or Parkinson’s disease.
This means that if you have a policy in place and are diagnosed with one of these conditions, you will receive a pay out from your insurer, to spend as you wish during what is likely to be a difficult time.
How would you cope financially with a Critical Illness?
How would you and your family cope financially if you were suddenly diagnosed with a critical illness? Would you be able to cover your mortgage and pay your bills?
Coping with a critical illness can be stressful enough without the financial strain of everyday life. Critical illness cover can help relieve you of some of these financial overheads, and allow you to concentrate on what matters most, your health.
No matter how uncertain the future is, you can take steps to help financially protect yourself.
How much does Critical Illness Cover cost?
Naturally the cost of your cover will vary from insurer to insurer, and according to what kind of cover you require. However the cost of premiums will principally hinge on how ‘high-risk’ a customer you appear to be.
Therefore if you have many pre-existing medical conditions, a history of illness, or members of your family suffer from any serious illnesses you are likely to pay more in premiums than if you have a clean bill of health.
Also if you are a smoker you can expect to pay more in premiums than non-smokers, as so many health risks are associated with smoking.
Critical Illness Insurance
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