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Critical Illness, although a stand-alone policy, is usually an add on to a life cover that pays out a sum of money upon diagnosis of a defined* critical illness.
Most people take a policy out in addition to the life cover for a mortgage, to cover incapacitation, make sure the family is financially stable and make sure treatment is covered too.
Just about anybody between the ages of 18-70 can take out a Critical Illness Cover.
Like Life Assurance, the younger you are, the cheaper the policy, as the older you are the more likely you are to develop a Critical Illness, therefore the higher likelihood of a claim being made. Other factors affecting price include current health, smoking status, BMI, and even your job.
Choice can come out and see you in the comfort of your own home, however we offer this fee free service over the phone at a time that is convenient for you.
*Each provider has their own definitions of what classes as a critical illness. For more information, speak to an adviser.
Critical illness plans may not cover all definitions of a critical illness. The definitions vary between providers and will be described in the key features and policy document if you go ahead with a plan.
Please note for these insurance products, terms and conditions apply. This information is a summary only. You will receive a full policy document upon application. This policy will set out the terms, conditions and limitations of cover provided under the plan.