Critical Illness Cover

You will be entitled to a tax-free lump sum to cover your expenses if you are diagnosed with a critical illness. However, be aware that not all conditions or injuries are covered within the policy.

* Every year, over 1million workers in the UK are unexpectedly unable to work, due to an injury or illness. Below are examples of illnesses that might be covered:

  • Heart attack
  • Stroke
  • Certain types and stages of cancer
  • Multiple sclerosis

Within most of the Critical Illnesses policies, it will also cover permanent disabilities caused by an injury.

*According to Associate of British Insurers 2015

What isn’t covered?

Some cancers and conditions are not covered with the policy. Furthermore, you will not be covered for health problems that you had before you took out the insurance.

You should consider taking out Critical Illness Cover if…

  • You don’t have sufficient savings set aside
  • You don’t have an employee benefits package to cover a longer time off work due to sickness.