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Critical Illness Cover

As the name suggests, this cover provides for a lump sum payable on the diagnosis of a serious illness or disability.

If you survive the diagnosis for more than 28 days you will receive the sum assured as a tax-free lump sum. The money is yours to keep even if you make a full recovery.

In the UK one in three men between the ages of 40 and 70 will develop a critical illness and one in five women will develop one of the conditions covered by a standard critical illness policy before their 65th birthday.

People do survive critical illnesses, but very often need financial assistance to help them recover both physically and financially.

Some of the most common diseases covered are cancer and most types of heart disease, including heart attack. Surgical procedures include coronary artery bypass, angioplasty, and aorta surgery.

Organ transplants are normally covered, as well as kidney failure, loss of sight or limbs, Alzheimer's disease, pre-senile dementia, coma, etc.

 

 
     

 

Full details of the cover will be provided at the time of your application, as the cover varies slightly between companies.

Many companies automatically include cover for your children against a limited number of illnesses. This extra cover is provided free of charge.

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