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Critical Illness Insurance

A critical illness, such as a heart attach or cancer, affects one-in-four women and one-in-five men before retirement age. Critical illness insurance is designed to ease the financial pressures by paying a tax-free lump sum on diagnosis of a critical illness or if you become totally disabled.  

What are the main features of Critical illness cover?
Before you take out cover, here are some things to consider:

  • Critical illness cover will pay out a lump sum of money if you are diagnosed as suffering from one of the specified illnesses detailed in your policy terms and conditions.
  • Cancer is the most common critical illness that any claims are made for effecting a large number of people. 
  • Critical illness cover does not cover just any sickness that affects your ability to work – it is very specific about which illnesses are covered.
  • Some insurers exclude any pre–existing medical conditions and others will decide your premium on the basis of your personal medical history.
  • Critical illness cover is different to other types of protection insurance for example income protection or payment protection, so make sure you understand what it does and whether it is right for you.

Before you take out the cover, the regulated firm that sells the policy should give you either a Policy Summary or Key Features document. These documents will set out the key features and benefits, as well as any significant or unusual exclusions.



IMPORTANT NOTE: Your home may be repossessed if you do not keep up repayments on your mortgage.



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Premier Choice Mortgages is a trading style of The ER Network Ltd which is an appointed representative of Intrinsic Financial Planning Limited and Intrinsic Mortgages Planning Limited which are authorised and regulated by the Financial Conduct Authority. The ER Network Ltd are a limited company registered in Scotland. Company Registration number: SC292243. Registered Office: Suite 4.2 Station House 34 St. Enoch Square, Glasgow, G1 4DF.


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