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Critical Illness Policy from Drewberry Personal Insurance Brokers.

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A critical illness policy is a form of serious illness protection. Critical illness cover pays out a tax-free lump sum direct to you if you are diagnosed with a critical illness such as cancer or a heart attack.
A critical illness plan will often be combined with term assurance to protect a mortgage or other loan.
› Do I need critical illness cover?
What would be the financial impact on you and your loved ones if you suffered a critical illnes?
Would their be enough income/savings to cover your financial obligations and avoid financial hardship? What if the illness rendered you unfit to work?
Critical illness cover can offer you financial protection paying out a tax-free lump sum if you are diagnosed with one of a number of critical illnesses such as cancer or a heart attack.
› What is covered?
The most common illness covered under a critical illness plan:
Heart attack
Stroke
Cancer
In addition to the above the illness being covered the following list is typical for critical illness cover, please note that the lists of qualifying illnesses can vary between insurance providers.
Alzheimer's disease
Aorta graft surgery
Aplastic anemia
Bacterial Meningitis
Benign brain tumour
Blindness
Cardiomyopathy
Chronic lung disease
Coma
Coronary artery by-pass surgery
Creutzfeldt-Jakob disease
Deafness
Dementia
Heart valve replacement or repair
HIV or AIDs from an assault, blood transfusion, occupational duties or accident
Keyhole heart surgery
Kidney failure
Loss of independent existence
Loss of limbs
Loss of speech
Major organ transplant
Motor Neurone disease
Multiple Sclerosis
Paralysis/Paraplegia
Parkinson's disease
Progressive Supranulcear Palsy
Third degree burns
Total and Permanent Disability
Cover for children
› Single or joint life policy
A single life policy is designed to cover a single person. A joint life plan covers a mortgage which has been set-up in joint names.
A joint life plan covers two lives but will only pay out once, on the first event. Please note if there is a claim on a joint life policy it will automatically terminate, the survivor is no longer covered by the policy.
› Guaranteed or reviewable
Guaranteed premiums provides the peace of mind of a fixed cost for the life of the policy, your premiums will not increase at any time during the term of the policy.
Opting for reviewable premiums provides the insurer with the opportunity to review the risk of your policy and the premiums every 2 to 5 years.
At policy commencement guaranteed rates are higher than reviewable however over time guaranteed premiums tend to work out cheaper as they are fixed from the outset.
› Include TPD
Total and permanent disability (TPD) benefit is a specific condition of a critical Illness policy and generally has to be selected as an additional option.
Including TPD in your plan covers you if you are totally and permanently unable to work.
› Useful resources
For information regarding the regulation of the insurance market visit the Financial Services Authority website.
The FSA also provide a site to help consumers with money and insurance matters, an overview of critical illness insurance can be found in their insurance section.
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Critical Illness Coverage

What is a critical illness coverage? A critical illness plan provides financial protection against suffering a critical illness. The cover is designed to pay out a tax-free lump sum direct to you upon the diagnosis... read more
If you are looking for a critical illness policy and need some guidance or just require a personal quote comparing all the market leading insurers then let us know.
Call 0800 612 7897 or email personal@drewberryltd.com
Also known as | critical illness insurance | critical illness cover | critical illness plan

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When deciding on any insurance plan it is important to take the time to do your homework or let an expert in the field do the leg work for you.
When searching for critical illness cover it is important to take the time to read through the policy documents from some of the leading insurers so you have a good understanding of the illnesses covered.
Understanding the options available to you and the limitations of a plan really help ensure you obtain the critical illness policy that best fits your requirements.
More useful information
› The benefits of critical illness cover
We all face the challenge at some point in time of reviewing our financial protection. With more responsibility whether it is bringing a new person into the world or your first mortgage, the more important our financial protection becomes.
We often come to consider critical illness insurance when looking into life insurance. Where life insurance is limited to paying out on death a critical illness policy provides a tax free cash lump sum and can be tailored to your specific requirements.
Whether it is cover for a specific loan, or just the peace of mind knowing your financial obligations are covered should you suffer a critical illness a reputable plan can provide the necessary protection
› Personal factors affect critical illness cover
Critical illness premiums like so many other health related insurances are dependant on a number of personal factors and the cover you decide upon. Personal factors insurers take account of when quoting include your age, whether you smoke and any pre-existing conditions.
Age
As we age so our likelihood of suffering a critical illness increases. Insurers use this in their quoting mechanism which unfortunately means the older you are the higher your premiums will be.
Smoker
Smokers get stung by their habits at both ends, not only does a packet of cigarettes cost a small fortune these days you will also incur inflated premiums on your insurance policies to account for the additional risk.
Pre-existing conditions
Pre-existing conditions can affect the premiums quoted and the cover provided by the plan, it is vital you disclose any information you feel would be important for the insurer to know, failure to disclose a condition could result in your policy being void.
› Making sure you find the best deal
Making sure of a competitively priced critical illness plan is like finding the best deal on any other insurance, utilise resources available and shop around. Researching online you can gain a good foundation of the leading providers and their products. By requesting quotes from a variety of insurers you ensure yourself a well priced policy.
Each insurer will conduct their own methods of underwriting a policy which means one may well look upon you in a more favourable light than another resulting in you finding better rates.
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