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Critical Illness Critical Illness cover is a means of replacing income (by way of the payment of a lump sum) in the event of diagnosis of life threatening illness from which you may or may not recover, but could substantially restrict the ability to earn future income |
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The statistics:
The chances of suffering a critical illness rather than dying before the age of 65 are:  2.4
times greater for a male aged 303
times greater for a female aged 20
Every
adult in the UK is 5 times more likely to suffer a serious disability than
to die before the age of 60
Each year
c680,000 people under the age of 65 suffer a heart attack, cancer or
stroke - most of them survive
Many
life-threatening illnesses can now be treated with such success that a man
or woman with invasive cancer or a heart condition can still expect to
survive and enjoy a good life span. But how valuable are those extra years
if money is a problem ? Financial hardship caused by disability can take
years to recover from, restrict future credit lines and cause the
cancellation of life policies at a time when they are needed most
a
cash sum is paid, not an incomethe
money is paid to you not your estateyou
keep the money even if you recoverConditions covered Cancer; Coronary artery bypass graft surgery; Heart attack; Kidney failure; Major organ transplant; Multiple sclerosis; Stoke; Alzheimer's disease(including senile and pre-senile dementia); Angioplasty; Aorta graft surgery; Benign brain tumour; Blindness; Coma; Creutzfeldt-Jacob Disease; Deafness; Heart valve replacement or repair; HIV - blood transfusion; HIV - needlestick injury; Loss of independent existence; Loss of limbs; Loss of speech; Meningitis; Motor neurone disease; Paralysis/paraplegia; Parkinson's disease; Rheumatoid arthritis; Terminal illness; Third degree burns; permanent total disability before the age of 65 |
