Critical Illness FAQs

All the FAQs have been answered by our highley trained expert advisers to help make the process and products even simpler.

Critical Illness frequently asked questions

Can I add Critical illness to my Life Insurance?

Yes, should you suffer a serious illness Critical Illness cover will pay out a tax-free sum. This can be an add on to your Life Insurance policy or bought separately. Speak to one of our expert advisors to find out which policy would best suit your needs... Read More

How Much Does Critical Illness Cover Cost?

Critical Illness cover premiums are calculated on the same factors as Life Insurance, with two key factors determining the price. 1. What level of cover you require 2. Your personal circumstances which affect risk... Read More

If I fall ill with Coronavirus, can I claim on my Critical Illness Cover?

Unfortunately, your Critical Illness Cover is not likely to pay out should you fall ill. Coronavirus is a viral infection so will not be listed on your policy as a critical illness. However, should you face heart failure for example whilst ill with Coronavirus – you should be able to make a claim... Read More

What is the difference between Critical Illness and Income Protection?

Critical Illness Cover provides you with a tax-free lump sum should you be diagnosed with one of the critical illnesses listed on your policy. Critical illness does not cover your income specifically but will pay out a tax-free sum that will be used to cover your outgoings, usually covered... Read More

I already have Health Insurance. Do I need Critical Illness?

Your Health Insurance policy will help cover the diagnosis, medication and treatment of your condition. It will not cover loss of income. Critical Illness will pay a tax-free lump sum to you directly which will help cover costs such as loans, mortgages and bills... Read More

Is Critical Illness the same as Accident and Sickness Insurance?

No. Accident and Sickness Insurance is a type of protection policy, designed to offer a pay out in the event you are injured or ill and unable to work. Accident Sickness Insurance pays out a tax-free lump sum dependent on the injury or illness you have sustained. It is not the same as a Critical Illness policy, which pays out the same lump sum, regardless of which of the named critical illnesses you suffer from.

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