Critical Illness Cover (CIC)

Ensure you have the right cover to make tough times easier.

– Professional, empathetic approach

– Variety of providers available for your medical history

 – Tailor fit, no obligation advice

Although it can be an emotional topic, it’s crucial to consider what would happen to your family if you were no longer able to support them. Planning ahead and ensuring your loved ones will be taken care of and able to stay in their home can bring you peace of mind.

We’ll work with you to understand your needs and build a package tailored to your situation, so no matter what life throws at you, you know you will be covered.

Call 01225 280 900 today to discuss for a free lifestyle review.

What is Critical Illness cover and do I need it?

CIC cover is designed to pay out a tax-free lump sum if you’re diagnosed with an insured medical condition during the term of your policy. It’s not the same as life insurance, which is focused on paying money in the event of death.

Even when you are in good health and physically fit, it can be challenging to contemplate the possibility of the unexpected. However, if you were to experience a debilitating illness, it could be life changing. You may require extensive home modifications, have to take leave from work, and endure a lengthy recovery period.

Critical illness cover (CIC) is designed to offer financial security and assistance in the event that you are unable to work due to a critical illness.

The range of conditions and illnesses covered under critical illness insurance can vary considerably among different insurance providers. While some insurers offer comprehensive coverage for 50 or more conditions, others are much more limited.

It could be suitable for you if the following apply:

  • You and your family depend heavily on your income
  • You have limited savings, which wouldn’t cover you for over a year if you were seriously ill or disabled
  • You don’t have an employee benefits package to cover long term time off work due to illness

Everyone’s needs are different, talk to our protection team to find out more.