Protection - Critical Illness Cover

Critical Illness Cover

What would happen if you fell critically ill? If you suffered from a critical illness such as a stroke, heart attack or cancer what would you do? How would you manage financially? How would you provide for your family? Would you be able to support your family?

No one likes to think about these things, no one wants to deal with the idea it could happen. However, the risk of it becoming a reality is very real and would massively affect your lives and the lives of those around you; making it necessary to answer those questions. Anyone who has been in a similar situation will tell you the importance of planning for it in advance, even if it never happens.

Critical illness will affect your income as you may no longer be able to work and continuing to do so could be detrimental to your recovery. When you are ill, the last thing you want to be worrying about is how to pay the mortgage/rent and bills. With critical illness cover you can protect your mortgage but also ensure that you have some money left over to provide for yourself and your family during those difficult times.

Critical illnesses don’t just affect the individual, but also those around them. Especially the family unit, who must adapt to someone they love being exceptionally ill. There are constant hospital appointments, lifestyle changes and it can be devastating to witness. Having critical illness cover ensures that the financial aspects is dealt with, meaning there is one less thing for them to have to worry about.

When choosing the type of cover, it is important to speak to an advisor who understands your concerns and can best advise you on the best type of cover. It is important they can discuss all the relevant details with you in the necessary depth, and can talk to you about the different options, and how they work, as well as what providers pay out and when, as some critical illness providers make partial payments which do not affect the main sum of money.

For example, a type of cancer that has not yet spread might merit a pay out of some money, whereas with another provider it might not. Knowing if you are going to get a pay-out might well allow you to take time off work to help facilitate the recovery process. Additionally, with this type of critical illness cover, if the initial condition went on to progress, or if you suffered from another critical illness which was covered by that company/policy then you would receive a pay out again because that initial sum of money was not affected in any way.

Something else to consider is some providers pay out on childhood critical illnesses. When a child is critically ill we understand that a parent would want to be with them as much as possible, without worrying about finances or work. Therefore, critical illness cover would be essential in allowing you to be with them during that difficult time.

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