Life Insurance Critical Illness

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Many people who have suffered a critical illness state openly that beforehand they had thought, "it could never happen to me".

Sadly it can - and that's why critical illness insurance may be important to you.

The effects of critical illness

If ill-health strikes, there may be many effects ranging from the physical to the psychological. These can hopefully be addressed by professional medical treatment and assistance.

Yet an often-overlooked effect of critical illness is, in fact, the financial one.

The chances are that if you are taken seriously ill, you're also going to suddenly find that you have a whole range of new costs hitting you such as transport needs, home help requirements, and medication.

In the meantime, your normal outgoings are unlikely to just go away and your usual income is also likely to be affected.

You may be eligible for some additional social benefits and assistance but even in a best-case scenario, these alone may be unlikely to help you meet your new financial circumstances and the demands on your pocket at a time when you may not be well positioned to deal with them, either physically or financially.

You may find it difficult to survive for very long on your savings even if they are being supplemented by some additional social aid. The worry of all this would not be likely to help you recover your health.

Critical illness cover

At Protect your Bubble we understand that if you are diagnosed with a critical illness, then you value the need for financial assistance. We offer a range of policies and protection designed for the various combinations of circumstances and needs that may arise.

One of these is called critical illness insurance. This policy will pay out a lump sum should you be medically diagnosed with one of the serious illnesses or disabilities that the policy covers. This may help immensely with the additional costs and financial stresses that you may incur, should ill health hit you. The full details can be found in your policy document.

The illnesses that this policy covers are listed in the terms and conditions, which also contain details of exclusions and limitations that apply. Your age, gender, health and family medical history are likely to affect your eligibility and the cost of this cover.

This type of cover does not provide you with a regular replacement income if you are unable to work, even if with a long-term illness, but we do offer various forms of income protection insurance also.

We can combine our critical illness insurance with these other forms of cover to include, for example, protection against involuntary redundancy.

Having the right combination of policies could give you a very high degree of financial protection should the worst happen. We would welcome your enquiry and the opportunity to deal with any questions you may have.