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Critical Illness Life Insurance
You don’t have to go very far these days to find some one who has been affected in some way by illnesses such as cancer, heart attacks or strokes. Along with many other medical conditions, these are defined as "critical illnesses".
Critical Illness Cover will pay out an agreed lump sum to ease the financial strain in an already difficult time.
The most common uses for the financial payout are to pay of the mortgage, cover the costs of medical treatment, or just support the family until you make a full recovery and are able to return to work.
As Critical Illness cover can be fairly expensive, what we tend to find is that people take out enough cover for 1 – 2 years salary to have as a security blanket.
Get a critical illness life insurance quote now.
What Illnesses Does a Critical Illness Policy Cover?
Statistics now show that one in 4 people will develop a critical illness at some point in their lives.
Every insurer that offers Critical Illness cover in the UK has to cover a minimum of 23 Critical Illness definitions, all of which are listed below.
- Cancer
- Coronary artery by-pass surgery
- Heart Attack
- Kidney failure
- Major Organ Transplant
- Multiple Sclerosis
- Stroke
- Aorta Graft Surgery
- Benign Brain Tumor
- Blindness
- Coma
- Deafness
- Heart Valve Replacement Or Repair
- Loss Of Hands Or Feet
- Loss Of Speech
- Motor Neurone Disease
- Paralysis/Paraplegia
- Parkinson's Disease
- Terminal Illness
- Third Degree Burns
- Alzheimer’s
- HIV Infection
- Traumatic Head Injury
As some of these conditions are now uncommon with today's medical advances, many insurers have added a range of other illnesses that are covered, some of which are detailed below.
- Systemic lupus erythematosus
- Rheumatoid arthritis
- Aplastic anaemia
- Rheumatoid arthritis
- Progressive supranuclear palsy
- Multiple system atrophy
- Encephalitis
- Pre-Senile Dementia
- Creutzfeldt-Jakob Disease (CJD)
- Benign spinal cord tumour
- Pulmonary artery surgery
- Primary pulmonary hypertension
- Cardiomyopathy
- Intensive care
- Loss of independent existence
- Bacterial meningitis
- Lung Disease