Critical illness cover is insurance that pays out a lump sum if you’re diagnosed with a specified critical illness covered by the policy. It helps cover things like medical costs, loss of income, and other expenses you may incur during your recovery.

Critical illness cover typically includes illnesses like being diagnosed with cancer, suffering a heart attack, stroke, and major organ transplants. Each policy may have a different list of covered conditions, so it’s important to check the specifics.

The amount of cover you need depends on your personal circumstances, which includes your income, debts, living expenses, and family needs. I can help you determine the right amount of cover for you and your family.

It may be possible, but pre-existing conditions might not be covered by the policy, or you might have to pay higher premiums. It’s very important to disclose all medical history to the insurer when applying, as any claim made will not be paid out.

Life insurance pays out a lump sum to your beneficiaries if you die during the policy term, whereas critical illness cover pays out if you are diagnosed with a specified critical illness during the policy term. Some policies combine both types of cover.

To make a claim, you’ll need to provide medical evidence of the diagnosis. The insurer will assess your claim based on the policy terms and conditions to determine if the illness is covered and the information you supplied them when you submitted your application.

The cost of critical illness cover depends on factors such as your age, health, lifestyle, your occupation, the amount of cover you choose, and the length of the policy. Premiums are usually higher for older individuals or those with health issues.

Yes, many insurers offer the option to add critical illness cover to an existing life insurance policy, often at an additional cost. This combined cover can provide more comprehensive protection for you and your family.