Why is Critical Illness cover important?
01.
What is Critical Illness Insurance?
Critical illness insurance is one of those policies many people don’t think about—until it’s too late. It offers long-term protection by providing financial support if you’re diagnosed with a serious illness during the policy term.
If a claim is made, the policy pays out a tax-free lump sum that you can use however you choose—whether it’s covering medical expenses, making home adjustments like wheelchair access, or replacing lost income while you focus on recovery.
This type of insurance covers a wide range of serious conditions, many of which affect one in two people during their lifetime. If you’re diagnosed with a condition specified in your policy, the insurer will pay out the agreed amount.
Critical illness cover is often combined with life insurance, giving you and your loved ones peace of mind—knowing you’re financially protected in the event of a major illness or loss.
02.
Do I need Critical Illness Insurance cover?
While no one can predict their health, you can take steps to ensure you’re financially protected if illness strikes. A serious medical condition can have an immediate impact on your finances—especially if you’re unable to work.
Critical illness insurance helps cover essential costs like rent, mortgage payments, and everyday bills, easing financial stress so you can focus on your recovery and treatment.
Relying solely on government support may not be enough. For example, if you’re eligible for Employment and Support Allowance, payments typically range from around £70 to just over £100 per week—often far less than most people need to maintain their standard of living.
If you don’t have enough savings to support yourself during a long-term illness or disability, critical illness cover offers vital protection and peace of mind when you need it most.
03.
What Critical Illness Insurance cover is right for me?
We always recommend securing the most comprehensive cover available—but the right policy for you will depend on which conditions you want to be covered and how much you’re comfortable paying in monthly premiums.
Common critical illnesses you may want to include are:
Stroke
Heart attack
Specific types and stages of cancer
Neurological conditions like multiple sclerosis
We work closely with trusted providers such as Aviva, The Exeter, Zurich, and others to offer personalised critical illness policies that match your needs. If you’re at higher risk for certain conditions due to family history or other factors, we take that into account when helping you choose the most suitable cover.
Our goal is to ensure you have peace of mind—knowing you’re protected with the right plan for your circumstances.
What can Mortgages and Insurers Solutions do for you?
At Mortgages and Insurers, we’re committed to helping you find insurance that truly fits your lifestyle and needs. With so many policies available, it can be overwhelming—and easy to misunderstand what each one covers or end up paying for protection that doesn’t match your situation.
That’s why we take the time to understand your unique circumstances, goals, and concerns. Once we have a clear picture of what you need, we work with our trusted insurance partners to tailor a policy specifically for you—ensuring it offers the right protection without any unnecessary extras.
Thanks to our exclusive relationships with leading providers, we also have access to enhanced benefits that aren’t always widely available. These tailored options could make all the difference—offering coverage that truly supports you when it matters most.
If you’re considering critical illness insurance or simply need guidance, our specialist advisors are here to help. This type of cover can offer vital financial support during what may be one of the most challenging times in your life.
Get in touch using the contact details below—we’re here to provide the clarity, confidence, and cover you deserve.