Critical Illness Cover

Adult Critical Illness Cover

Critical illness insurance provides you with a tax-free lump sum of money if you are diagnosed with certain illnesses or disabilities. This tax-free, one-off payment can help pay for your treatment or even cover your mortgage/rental payments whilst you take time off work to recover.

Do you have any debts? Do you have a family? Are you worried about meeting your bills each month if you were off work sick? After all, these debts and responsibilities do not simply vanish if you are unwell. It is then paramount that a policy is in place to protect you in the eventuality of a critical illness. Remember, one in two of us will, at some point in our lives, be diagnosed with a cancer.

Childrens Critical Illness Cover

A sick child is something that no one wants to think about. If you’re a parent, the last thing you’ll want to think about is your child being critically ill in the future. But it’s worth considering how you’d manage financially if it did happen. Terrifyingly, a pay-out under a Critical Illness Cover policy is not unheard of. In 2021 alone, Aviva paid out £4.7 million in claims on Children’s Critical Illness policies.

  Children’s CIC is a type of insurance that pays out a lump sum if you get a serious illness that’s defined by the policy, within the policy term. Depending on the definition, the payment might be on diagnosis, when the condition is of a specific severity, or when you have treatment or surgery.

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