CRITICAL ILLNESS

A Critical Illness Benefit is an additional financial benefit, often a lump sum, paid on diagnosis of such critical illness.

Critical illness cover bridges the gap left by life insurance which only pays out if you die. These days more people are surviving illnesses that were once fatal, but having survived, many people are unable to return to work or find that they have to pay for special medical care.

Because traditional life assurance cannot meet these costs, health insurance companies now offer a Critical Illness Plan that could help you through the recovery period. For example you may need to reduce your working hours, pay for medical care or have your house adapted to make your day to day life easier. A lump sum will provide that funding, the last thing you and your family need at a time like that are to worry about money.

Choosing the right plan is critical as no two plans are the same. We will decipher the small print and advise according to the best plan to suit your needs.