With new offers in the market some providers will pay out on an average of 40 medical conditions and some go as high as 170 conditions. We will advise and find the most suitable plan for you to meet your lifestyle needs – personal, family or mortgage cover.
Serious Illness Cover helps protect you financially if you fall seriously ill or develop a critical illness. The providers will pay you out a cash lump sum either in total or based on the severity of your condition – meaning that you can focus all your energies on making a full recovery.
Unlike typical critical illness cover, the provider will pay out for the less severe conditions as well as the more critical ones. So if you get ill and need to claim, they will give you a percentage of your cover depending on how severe your condition is. This means that if a condition gets caught early on, they will pay you out a portion to alleviate the stress, but you’ll also have the rest of your cover should you need to claim again and again.
The provider will pay out on the severity of your illness or disability meaning that you could receive a payout at an earlier stage or your illness, even if it’s not life threatening. There are seven levels of severity to determine how much money gets paid out when you need to make a claim.
Yes, you can choose a cover amount of between £20,000 and £100,000 for your children. If your child is diagnosed with one of the illnesses we cover, the provider will give you a cash lump sum.
You can choose between Comprehensive Serious Illness Cover or Primary Serious Illness Cover. The typical critical illness policy only covers you for around 48 conditions. Have a look at all the conditions we cover including heart attacks, strokes and diabetes.
We define medical conditions in the same way as the medical profession. So, if your consultant or doctor diagnoses that you’ve had a heart attack or stroke, the provider will pay out. The amount they pay depends on the severity of your condition, which means we can cover all types of heart attack and strokes.