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Critical Illness Cover

Critical Illness Cover

A lot of us think we’ll never be diagnosed with a critical illness, but in reality it could happen to anyone.

How would you and your family cope financially if you became ill?

Whether it’s paying for treatment or helping to cover your salary while you get better, our critical illness cover could make a big difference if you’re diagnosed with a life changing critical illness.

InsureLife can put you with a provider that covers up to 178 conditions inclusive of ABI (Association of British Insurers) definitions.

We offer different levels of cover, such as level term and decreasing cover.

Your cover can last between 5 and 50 years. When it comes to how much cover you’ll need, everybody is different.

How much would you need to cover your monthly outgoings?

Think about everyday costs such as household bills and childcare, or how much you would have to pay for unexpected treatment costs so you and your family able to live life as normally as possible.

Even a small amount of critical illness cover could allow you time to recover or take a well deserved holiday.

Designed with you in mind, our flexible cover means we are here when you need us most.

Levels of Cover

  • Level Cover
  • Decreasing Cover
  • Indexed Cover
  • Whole of Life Cover

Some things to consider:

Make sure your policy covers heart attacks, strokes, most forms of cancer and conditions such as multiple sclerosis.

Most policies will also consider permanent disabilities as a result of injury or illness.

It only pays out once unless you protect the cover which you can with certain providers.

Our advisors will tell you the different options available so you can make an informed decision.

Some serious illnesses might not be covered, for example, some cancers and conditions not listed in the policy.

What’s covered and what’s not, will be set out in the policy details so make sure you’re fully aware of them and that they cover your needs.

Your monthly payments will depend on a number of factors such as age, health, occupation and amount of cover taken out.

Can be taken with or without Life Insurance.