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Critical Illness Insurance - Exeter, Torquay, Plymouth, Barnstaple, Tiverton, Taunton and Yeovil area PDF Print E-mail

What is critical illness insurance?

Critical illness insurance provides you with a lump sum of money if you are diagnosed with certain illnesses or disabilities.

Why do you need it?


If you, or those who depend on you, would face financial difficulties if you became critically ill (for example if you had cancer, a heart attack or a stroke), you may want to consider taking out critical illness cover.

Advances in medical science mean that more people are now surviving serious illness than in previous years. While this is good news, many people are faced with the realisation that they may not be able to return to work, or indeed, wish to.

Critical Illness is, in many ways, similar to Life Insurance with the difference being the insured is still alive.

What does it cover

Critical illness policies usually pay a tax-free lump sum if you suffer from one of the listed critical illnesses and meet the definition set out in the policy.

Different policies cover different critical illnesses. Each policy will only cover the conditions set out in the product literature that we or the selected insurance company will give you, and no others. However, all critical illness policies cover cancer, heart attack and stroke.
The Association of British Insureres publish model definitions as a minimum standard for the most common critical illnesses covered. This means that insurance companies will assess claims for all these conditions using the same or more favourable definitions.
Please remember that the name of each critical illness is only a guide to what is covered. For example, some types of cancer are not covered.

The model definitions are grouped into "core‟ and "additional‟ conditions. The "core" conditions are generally the critical illnesses most likely to happen.

The "core" conditions are:
 coronary artery by-pass surgery
heart attack
 kidney failure
 major organ transplant
 multiple sclerosis

The "additional" conditions are:
 aorta graft surgery
 benign brain tumour
 heart valve replacement or repair
 loss of limbs
 loss of speech
 motor neurone disease
 Parkinson's disease
 terminal illness
 third degree burns

Being ill can leave you seriously out of pocket, it can be really handy to have a large sum of money to spend on things like everyday expenses, paying off your mortgage or your medical expenses. You can use the money in any way you like, you don’t have to spend it on anything in particular.

You may have other income coming in while you’re ill such as state benefits or sick pay from your employer. However, this may not cover all your needs. It’s a good idea to think about how much you would need to live on if you became seriously ill and whether you would need some extra money to boost your income.

Professional Mortgage Services can help you to arrange your critical illness cover with access to all the major insurers.


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