Critical Illness Insurance.

Critical Illness Insurance pays a lump sum of money in the event of being diagnosed with a specified illness.

Around 70% of all claims are made up of just three illnesses and you’ll not be surprised to learn they are Cancer, Heart Attack and Stroke.

A typical policy will cover you for anywhere between 30 to around 200 illnesses including the three previously mentioned but also for conditions such as Multiple Sclerosis, Total Permanent Disability, Major organ transplant and Cardiomyopathy.

The financial (not to mention emotional) trouble it can cause can be life changing. Critical Illness Insurance provides an important financial safety net to ensure you are able to take time to recover, adjust and not have to worry about the financial side of things.

Should I take out critical illness cover?

Critical illness cover provides financial support in case of unexpected illness, regardless of good health. To determine if it’s suitable for you, consider your savings, ability to cover outgoings if unable to work, and the impact on your family or partner if you fall ill. If you have dependents who rely on your income, critical illness cover can provide peace of mind knowing that they’ll be financially secure during a difficult time.

How much critical cover do I need?

To determine how much serious and critical illness insurance cover you need, consider several factors:

1. Start by estimating how much income you and your family would need if you were unable to work due to illness.

2. Calculate your current bills and outgoings, including any additional expenses such as childcare and medication. Don’t forget to include the monthly premiums for the policy.

3. Deduct any savings you have and potential medical bills from the payout amount you would need. Consider any state benefits you may be eligible for and the duration of the coverage you want. The younger you are, the longer you’d likely want the term to be. Keep in mind that the total amount of coverage you’ll need may vary based on your individual circumstances, such as your age, health, salary, and lifestyle choices.

Speak to us about protecting what matters most.

If you're interested in protecting what matters most and securing your family or business financial future, we're here to help.

We're experts in what we do and will provide a solution tailored to you and your requirements. Our team of experts will work closely with you to find the right coverage at the right price. Get started today.

Critical illness cover. Here’s a few facts…

  • Critical illness insurance pays out a lump sum if you are diagnosed with a covered serious illness.
  • The lump sum payment can be used for any purpose, such as paying for medical bills, living expenses, or other costs associated with the illness.
  • The specific illnesses covered can vary depending on the policy, but typically include cancer, heart attack, stroke, and organ failure.
  • The cost of critical illness insurance can vary depending on factors such as your age, health, and the amount of coverage you choose.
  • Critical illness insurance is not the same as health insurance or disability insurance, which provide different types of coverage.
  • Critical illness insurance can provide valuable financial protection for individuals and families facing serious illnesses, helping to ease the financial burden during a difficult time.
  • Critical illness insurance can be an important part of a comprehensive financial plan, providing peace of mind and protection against unexpected health challenges.

Not what you’re looking for? 

There are lots of protection options available, we can offer them as a stand alone policy or we can tailor a policy to suit your needs. 

Income Protection

Pays out if you are sick or injured and cannot work.

Life Insurance

Secure your loved ones’ future with a life insurance policy.

Private Medical

Consultations, diagnosis & treatment for minor or major medical conditions.