Brokers: Financial Protection

Critical Illness Cover

Why Critical Illness Cover?
Illness or injury can strike anyone at any time. A serious illness can render you unable to work and can mean a loss of significant income. In these circumstances there will still be bills to pay. Critical illness cover provides a financial benefit to help you meet those bills and keep your finances afloat.

We offer two highly competitive options for cover in the event of an unexpected serious illness or injury. We offer a monthly plan and a 10 year fixed term product. Both policies are written in plain English.

Cover
Critical illnesses that may be covered, subject to policy terms and conditions as shown in the certificate of insurance are :

• Aids through blood transfusion
• Cancer – a malignant tumour characterised by the uncontrolled growth and spread of malignant cells and the   invasion of tissue
• Coronary Artery Bypass
• Heart Attack
• Kidney Failure
• Major Organ Transplant
• Multiple Sclerosis
• Stroke
• Alzheimers before the age of 65
• Aorta Graft Surgery
• Benign Brain Tumour
• Deafness
• Heart Valve Replacement
• Motor Neuron Disease before the age of 65
• Third Degree Burns

Varying levels of cover are available. Children’s cover can also be provided for children between the ages of 6 months and 17 years subject to a maximum of one claim for each child whilst the insurance remains in force, and subject to a maximum pay out of 25% of the sum insured or £20,000 whichever is the lesser.

The policy will also cover funeral expenses up to a maximum of £1,000.

The policyholder must be between the ages of 18 and 60 years at the time of taking out the policy.

Provided the policyholder meets the various policy terms and conditions the policy can continue up to the age of 75.

At a Glance
• Income replacement cover in the event of a critical illness
• Various levels of cover available