It’s like life cover, but you get to carry on living !Critical illness cover

Suffering from a critical illness is like ‘dying a little bit’, and so you can protect yourself from the consequences of suffering financially.

A critical illness policy will provide a tax-free lump sum that could repay your mortgage, clear other debts, replace lost income for a year or two (the time it could take to recover), and stop the worry about returning to work too soon because your income has been reduced, or stopped altogether. Returning to work too soon can have disastrous consequences if financial concerns overtake medical advice.

This is a typical list of the illnesses, diseases and operations that are covered by a Critical Illness Policy*…

  • Alzheimer’s disease
  • Aorta graft surgery
  • Aplastic anaemia
  • Bacterial meningitis
  • Benign brain tumour
  • Benign intramedullary spinal cord tumour
  • Blindness  
  • Cancer
  • Cardiomyopathy 
  • Chronic Rheumatoid arthritis
  • Coma 
  • Coronary artery bypass grafts (CABG) 
  • Creutzfeldt-Jakob disease (CJD) 
  • Deafness 
  • Dementia (including pre-senile) 
  • Diabetes – type 1 
  • Encephalitis  
  • Heart attack
  • Heart valve replacement or repair 
  • HIV infection
  • Intensive Care
  • Kidney failure 
  • Liver failure  
  • Loss of hands or feet
  • Loss of independent existence
  • Loss of speech  
  • Major organ transplant
  • Motor neurone disease (MND)
  • Multiple sclerosis
  • Multiple system atrophy 
  • Open heart surgery 
  • Paralysis of limbs 
  • Parkinson’s disease
  • Pneumonectomy
  • Primary pulmonary hypertension 
  • Progressive supranuclear palsy (PSP)  
  • Pulmonary artery surgery 
  • Severe Crohn’s disease
  • Severe lung disease  
  • Stroke
  • Surgical removal of an eyeball 
  • Systemic lupus erythematosus  
  • Terminal illness  
  • Third degree burns 
  • Total & permanent disability 
  • Traumatic head injury

(*Source: LV=,  June 2012)

The most claimed-for conditions are cancer, heart attack and strokes, which account for around 75% of claims, with women claiming slightly more than men.

If you are worried about the possibilities of what an illness such as those above would do to you, and your family, simply contact us to discuss your requirements, and we will search our large range of insurers for the most suitable protection for you.

Statistics show that you are over 5 times more likely to claim on a Critical Illness policy than a life assurance policy, and age is no barrier to many conditions, so make sure you have the right cover in place. The younger you are when you start, the less it costs you, so let’s get you protected now !

Did you know…

Many Critical Illness plans also provide benefit for children aged from 3 months to 18 years old. The insurers know that illness doesn’t only affect the elderly, and this benefit is included, at no additional cost to the parents.