Critical illness insurance is designed to pay a lump sum or regular income upon diagnosis of a specified critical illness. Some of us may be diagnosed with a critical illness at some point in life, and would not want to have to worry about how we were going to meet the bills, or to cover any additional costs incurred because of the illness. Some forms of cancer, strokes and heart attacks are the most common critical illnesses with most policies.

Do I need Critical Illness Cover? 

If your family rely on you financially it’s worth considering critical illness insurance to help protect against the impact a critical illness could have on you and your family. The payout could help to cover things such as child care costs and household bills. 

Or you may want to use the pay out to help adjust to your home or lifestyle if needed, or to pay for specialist medical treatment – or even to take that trip of a lifetime to help you recover