Critical Illness Cover is an insurance plan that pays out a cash lump sum if you are diagnosed with a specified critical illness.
Should you be unfortunate enough to suffer a critical illness, the last thing you'll want to be worrying about is money. You may have to reduce your working hours, pay for medical care or have to adapt your house to make day-to-day living easier. A critical illness plan could provide the money to do all of this and more.
You can arrange critical illness benefit so that it can decrease, remain level or increase over the term of the policy. You would normally use the reducing or level terms against a mortgage or loan, whereas you would use level or increasing terms for personal or family protection.
These policies are very flexible, you can take out cover for either one or two people. The benefit can cover a single life or joint lives, depending on your needs.
Children can also be covered for critical illness benefit.
You can choose to have guaranteed rates or reviewable rates, which means if you choose guaranteed your benefit will stay the same as will your premium. However if you choose reviewable rates and wish to increase your amount of benefit your premium will increase as well.
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