Critical Illness
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- What?
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.
- Why?
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.
- Who
Just about anybody between the ages of 18-70 can take out a Critical Illness Cover.
- When?
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.
- Where?
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.
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