What is Critical Illness Cover?
Critical illness protection (sometimes referred to as critical illness insurance) provides a lump sum pay out if you are diagnosed with a specified life-changing (but not terminal) illness, covered by your policy.
This pay out is tax-free and can be used for whatever you deem necessary, including:
- Private Medical Treatment
- Adapting Your Home for Wheelchair access
- Covering the cost of loss of income due to not working
- Enjoying time with your family; book a holiday, etc.
Why Get Critical Illness Protection?
Life can be unpredictable, and a serious illness could have a major impact on your ability to work and support yourself financially. Critical illness protection provides a lump sum payout if you’re diagnosed with a specified serious illness, helping to cover essential expenses, medical costs, or even adjustments to your lifestyle while you recover.
Unlike standard life insurance, which pays out upon death, critical illness cover is designed to support you while you're still alive—giving you the financial breathing room to focus on your health instead of worrying about bills.
Whether it’s covering lost income, paying off debts, or securing your family’s future, critical illness protection offers peace of mind, knowing that if the unexpected happens, you have a financial safety net in place.