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Critical Illness Cover | Critical Illness Insurance
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Why Choose Top Quote UK for your Critical Illness Cover?
- Free Online Quotes and Simple Online Applications - making your search quick and easy.
- Free and Independent Advice on all Critical Illness Policies - let our professional advisors help you.
- We Search all of the Leading Critical Illness Insurance Companies - to make sure that you get the cheapest and most suitable policy.
- We Don't Charge you a Fee - all advice is free.
- No Salesperson will Visit - all contact with friendly UK based staff via telephone/email.
- Top Quote UK are one of the UK's Largest Internet Critical Illness Brokers - trust Top Quote UK, the specialists in critical illness cover.
What is Critical Illness Cover?
Critical Illness Cover is an insurance policy that pays out a lump sum if you are diagnosed as having a specified critical illness such as a serious heart attack, stroke or an invasive form of cancer.
Why Do I Need Critical Illness Cover?
Have you considered what would happen if you were to suffer from a serious critical illness? If you had a heart attack or if you were diagnosed with a serious form of cancer? It is estimated that a staggering 1 in 3 people will develop cancer in their lifetime. In many cases people now live after suffering such illnesses but their lives are drastically changed. Here are some of the effects that suffering a critical illness could have on you:
- You may struggle to work in your current role and may suffer a reduction in income.
- You may need treatment quicker than available through the NHS and decide to pay for private treatment.
- You might need to make adjustments to you home to deal with a disability.
- You may need special care or your partner may need to reduce working to look after you.
What is Covered on a Critical Illness Policy?
In April 2007 the Association of British Insurers (ABI) released guidelines for all insurers offering critical illness policies to indicate what must be covered and explained on the policies. The aim of this was to make sure all policies offered the main critical illnesses and outlined the definitions in an understandable way to the public. Following are the conditions covered by all critical illness policies since April 2007:
- Alzheimers disease
- Aorta graft surgery
- Benign brain tumour
- Blindness
- Cancer
- Coma
- Coronary artery bypass
- Deafness
- Heart attack
- Heart valve replacement
- HIV infection
- Kidney failure
- Loss of speech
- Loss of hands or feet
- Major organ transplant
- Motor neurone disease
- Multiple sclerosis
- Paralysis of limbs
- Parkinsons disease
- Stroke
- Terminal illness
- Third degree burns
- Traumatic head injury
Many companies such as BUPA and AXA offer additional conditions on their policies to make them more comprehensive and attractive. Some examples of additional conditions that may be offered by various companies are:
- Angioplasty
- Aplastic anaemia
- Bacterial meningitis
- Bone marrow failure
- Cardiomyopathy
- Creutzfeldt-Jakob disease
- Insulin dependent diabetes
- Encephalitis
- Liver failure
- Loss of independence
- Mastectomy
- Open heart surgery
- Pre-senile dementia
- Primary pulmonary hypertension
- Prog. supranuclear palsy
- Rheumatoid arthritis
- Severe lung disease
- Systemic lupus erythematosus
Which Critical Illness Cover Policy is Right for Me?
- Increasing Critical Illness Cover / Index Linked Critical Illness Cover: Probably the best policies, where the value increases each year, usually in-line with inflation. This is a ideal policy to offset the effects of inflation and ensuring that your policy keeps up its value.
- Level Term Critical Illness Cover: The value of these policies don't change, in other words the sum assured stays the same. Level Term Policies are frequently used to provide protection for a family and to cover interest only mortgages.
- Mortgage Critical Illness Cover / Decreasing Critical Illness Cover: The sum assured decreases throughout the term of the policy. Decreasing Critical Illness Cover is often used to cover reducing loans such as repayment mortgages.
- Family Income Benefit: Pays out a monthly income rather than a lump sum. This is often the cheapest type of critical illness cover but is not suitable for covering a mortgage.
Here at Top Quote UK we pride ourselves in giving excellent advice on all critical illness policies. You can either request an instant quotation online or by calling one of our fully qualified advisors free on 0808 1782 777.
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