Critical Illness Cover

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	Critical illness policies starting at just £5.00 a month.		Policies available to cover joint applicants.
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Critical illness insurance is designed to ease the financial pressures by paying a tax-free lump sum if you become seriously ill or totally disabled. You must normally survive normally for a minimum of 30 days. Unfortunately if you die of a heart attack or cancer within 30 days of diagnosis no benefirt will be payable.

What it covers
To claim on a critical illness policy you must have suffered from and received a confirmed diagnosis of one of a range of critical illnesses. We advise that you check the key facts of each policy as not all policies cover all conditions.

All policies should cover at lease 7 core conditions. Which are most cancer, coronary artery bypass, heart attack or severe heart disease, failure of a kidney, Major organ transplant, MS, multiple sclerosis and stroke (Policies can also cpay out if the policy holder is unable to preform basic tasks of day to day linking on a permanent basis (Permanent disability)

Most providers allow people to take out cover between the ages of 17 and 70. It can be for a specified number of years - as long as your mortgage, for example - or for life. Or you can just take out a policy and keep it going for as long as you choose. When you buy a policy there is often awaiting time before any claim could be considered. It varies from comopany to company but most commonly is three months

Choosing the right plan can be tricky. There are more than 60 providers offering 200 versions of critical illness insurance including critical illness and life insurance. We at UKinsurancenet can offer advice provided by our team of experienced consultants to ensure that you get the cover that is right for you.