Critical Illness Insurance.
Critical Illness Insurance pays a lump sum of money in the event of being diagnosed with a specified illness.
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?
How much critical cover do I need?
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.
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

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