Character carrying flowers taking a picture with a smartphone

Critical Illness

Life is full of the unexpected, and even those who seem the healthiest can suffer from severe illnesses at some point in their life. Critical Illness Cover can protect you and your children should either of you be diagnosed with a serious illness such as cancer, or suffer a heart attack or stroke. The lump-sum given can prove great financial support, and be put towards medical treatment, surgery, household outgoings and even cover loss of earnings. Available as part of a Life Insurance policy or a standalone quote, Critical Illness Cover can take many forms, including level term, decreasing term and even as enhanced children’s Critical Illness Cover.

 

Here at Avail Mortgages, we can help you choose the right level of cover for you and your children, and provide access to beneficial add ons, such as Aviva’s ‘Global Treatment’ and ‘Best Doctors’. Having built up strong relationships with a whole host of leading UK insurers, we’ll help you find an insurance quote that will cover your needs. To find out more, please contact us today. We provide help for clients in areas such as Leeds, Huddersfield, Bradford, York and Harrogate, so we know that we can help you too.

 

What Is Critical Illness Cover?

Critical Illness Cover is a long-term insurance policy which covers serious illnesses listed within the policy. Should you get one of these illnesses, your policy will pay out a tax-free, one-off payment to help you cover the costs of surgery, with 50% additional payout available. This money could also be used to help pay for your mortgage, rent, debts, or alterations to your home, such as wheelchair access, should you require it.

You should consider Critical Illness Cover if you don’t have enough savings to tide you over if you become seriously ill or disabled, or if you don’t have an employee benefits package to cover a longer time off work due to sickness.

Got children? They are also covered by the Critical Illness Cover with a payout of up to 50%.

Character opening a door
 
Cartoon drawing of a house

What Illnesses Are Covered By Critical Illness Insurance?

Dependent on your policy, we can cover a whole range of illnesses, including:

  • Aplastic anaemia
  • Bacterial meningitis
  • Blindness
  • Brain injury due to trauma, anoxia or hypoxia
  • Cancer (excluding less advanced cases)
  • Chronic lung disease – of specified severity
  • Dementia, including Alzheimer’s disease
  • Heart attack – of specified severity
  • Heart failure – of specified severity
  • Kidney failure – requiring permanent dialysis
  • Major organ transplant – from another donor
  • Multiple sclerosis – with past or present symptoms

Along with cover for Parkinson’s disease, strokes, structural heart surgery and systemic lupus erythematosus, there are many illnesses covered under this policy.

 

Get In Touch

Wondering what other illnesses are covered by Critical Illness Insurance? Wanting to take out a policy? Our insurance team can help, serving clients in areas including Leeds, York, Bradford and Huddersfield. For your bespoke insurance quote, please don’t hesitate to get in touch with us today on 01484 556245.