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Critical Illness Insurance
Critical Illness Insurance will provide you and your family with financial security if you are diagnosed with any one of a number of life threatening medical conditions. It can be difficult for us to think about suffering a critical illness, and in many cases, we would much rather put it to the back of our mind and just assume that it will only happen to other people. Unfortunately, with 1 in 3 people developing cancer in their lifetime; 275,000 people a year suffering heart attacks and an estimated 152,000 UK residents suffering a stroke each year, the chances of it happening to us are not so easy to ignore.
What is Critical Illness Cover?
With thousands of people suffering a critical illness every year, doesn't it make sense that your finances will be taken care of if you find yourself in this worrying situation? Critical Illness Cover offers a tax-free, lump sum to you and your family should you be diagnosed with a critical condition or illness. This may include a stroke, a heart attack, permanent or total disability, multiple sclerosis, blindness or cancer. The actual conditions that are included will vary with each policy and with certain policies there will be types of cancer or heart attacks that are not covered; so it is important that you research each policy before you agree to it.
Why Do I Need It?
If you suffer from any critical illness, it is more than likely going to have a huge impact on your life and the lives of your loved ones, either temporarily or permanently. If you bring in the majority of the income to your household, this change in circumstances will undoubtedly have an effect on your finances. The monetary assistance that you could get from having critical illness cover will help you through this difficult time and allow to you to keep on top of the majority of your financial responsibilities.
When it comes to Critical Illness Cover it is important that you understand the level of cover you will receive. A cheaper policy will only cover a small number of illnesses, where as a more expensive policy will cover you for a larger number of illnesses and have less exclusions. At Pure Cover, we are happy to shop around to find the perfect level of cover for you.
Critical Illness Cover is an excellent choice if you are single and without dependants. Unlike Life insurance, which only goes towards helping your estate; critical illness cover will help pay your own bills if you become ill.
What is the Process?
It is quick and simple to make an enquiry about Critical Illness Cover. Just fill out one of our easy online forms and we will pass all of your details on to the expert advisors within your area who will contact you about your policy and answer any questions you may have.
When making your application it is important that you disclose all information so that we can come up with the most appropriate policy for you. This means disclosing all past and current medical conditions.
If you are thinking about taking out Critical Illness Cover then it is worth doing it sooner rather than later. As you get older, the premium will increase and if you currently suffer from any health conditions which may affect your policy it may end up being more expensive. So to find out about Critical Illness Cover, just fill out an online form today.
