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Ready to get critical illness cover

Critical illness cover

 

 

 

What would life be like if you were diagnosed with a serious illness or called critical illness?  Your lifestyle could change very quickly.

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Then you will not the only one that suffer, it will be a big impact on your whole family members, as you are the breadwinner of your family. Now you’d start spending time in hospital for treatment. You may also need to take some time off due to serious sickness.

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It’s hard to know what the financial impact of all this would be for you and the people who depend on you and how long its going to take to get well soon may months or years.

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So having critical Illness cover provides you with a lump sum pay out if you are diagnosed with, what the insurance company classifies as, a “Critical Illness”.

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Critical illness cover can provide you with an important financial safety net, should you be diagnosed with a critical illness. It is designed to pay out a fixed cash amount.

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If you are diagnosed with any of the conditions listed in your policy, you will pay out the lump sum you selected when you took it out the policy (unless you have since changed this amount).

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So find out more by speaking with us.

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So taking critical illness insurance, you will have a peace of mind for you as a breadwinner. So we Bright Sun Insurance expert compare and find you the critical sickness insurance, from across the market insurers, which normally start from few pounds per week, depends upon your age and personal circumstances.

We compare following insurance providers from our across the market insurers

Key feature about critical illness

  • Pays a lump sum if you die, become terminally ill, or are diagnosed with a critical illness

  • Spend the sum on anything you like such as medical and everyday expense.

  • You will be paid you if you are diagnosed with any one of standard conditions plus additional if you selected.

  • Add up to £25,000 cover for your children

  • Choose a single policy or cover you and a partner/wife/husband on a joint critical illness policy.

  • Upgraded critical sickness cover, pay for also less advanced serious sickness payout.

  • Other optional benefits as fracture cover, Global treatment, Extra care, Hospital benefit etc.

Key feature about critical illness

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Most Standard critical illnesses that are covered by most insurance companies:-
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Aorta graft surgery – for disease and trauma
Aplastic anaemia – with permanent bone marrow failure
Bacterial meningitis – resulting in permanent symptoms
Benign brain tumour – resulting in permanent symptoms or specified treatment
Blindness – permanent and irreversible
Cancer – excluding less advanced cases
Cardiac arrest – with insertion of a defibrillator
Cardiomyopathy – of specified severity
Coma – with associated permanent symptoms
Coronary artery by-pass graft
Creutzfeldt-
Jakob disease
Deafness – permanent and irreversible
Dementia including Alzheimer’s disease – resulting in permanent symptoms
Encephalitis – resulting in permanent symptoms
Heart attack – of specified severity
Heart surgery – with thoracotomy
Heart-valve replacement or repair HIV caught from a blood transfusion, a physical assault or at work Interstitial lung disease
Kidney failure – requiring permanent dialysis
Liver failure – end stage Loss of hand or foot – permanent physical severance
Loss of speech – total permanent and irreversible
Major organ transplant from another donor
Motor neurone disease and specified diseases of the motor neurones – resulting in permanent symptoms Multiple sclerosis
Paralysis of limb – total and irreversible
Parkinson plus syndromes – resulting in permanent symptoms
Parkinson’s disease – resulting in permanent symptoms
Pneumonectomy – for disease or trauma
Primary pulmonary arterial hypertension – resulting in permanent symptoms
Pulmonary artery replacement – with surgery
Removal of an eyeball as a result of injury or disease – permanent physical severance
Respiratory failure – of specified severity
Spinal stroke
Stroke – resulting in specified symptoms
Systemic lupus erythematosus – of specified severity
Terminal illness – where death is expected within 12 months
Third degree burns – covering 20% of the body’s surface area or 20% of the face’s surface area
Traumatic brain injury – resulting in permanent symptoms
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You will also pay out the lower of £25,000 or 25% of the sum assured if you are diagnosed with one of these conditions. If you have chosen to add children’s benefit and your child is diagnosed with one of the additional payment conditions, you will be paid the lower of £25,000 or 25% of the lump sum.
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Also if selected upgraded sickness that will pay you a maximum of one claim for each additional payment condition for each person covered. If an additional payment condition claim is paid, this will not reduce the amount of cover provided by the policy. Less advanced cancer of the breast – with surgical removal Less advanced cancer of the prostate – of specified severity and treatment Full definitions of the illnesses and the circumstances in which you can claim set by all insurance providers with difference terms and conditions.

Level of cover

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At the start of your policy you choose whether you want level cover, decreasing cover or increasing cover. You can only choose these options before your policy starts – you can’t change them later. You can check your level of cover at any time on the customer portal.
 
Level cover:- If you choose level cover the amount you are covered for will stay the same throughout the life of your policy unless you change your cover.
 
Increasing cover:- You can choose for your cover to increase each year. If you choose this option we’ll set the rate at which your policy increases, and let you know what it is. If you wish to change this after the start date you can do so. You can have your cover increase each year by 3%, 5%, or in line with the Retail Prices Index. Your premiums will increase each year to pay for the increased cover.
 
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Decreasing cover:- Decreasing cover is designed to reduce in line with the outstanding amount on a repayment mortgage or loan of the same interest rate. Your cover will reduce, taking account of a fixed interest rate. We’ll set this for you, and let you know what it is. Your cover will decrease each month and will reduce to zero by the end of the term. If you wish to change the rate at which your policy decreases after the start date you can do so at any time. You can choose a fixed interest rate between 2% and 18% per year.
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Why not speak to us today to arrange Life and/or Critical Illness Cover for yourself; it may just be the best decision you ever make and if you already have a mortgage protection policy in place then also we can help you to find the cheaper rate policy.

Find out, do you meet criteria to get it a critical illness insurance

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To apply for cover, you need to ensure:

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  • You’re a permanent resident of the UK, if you are on any visa with different nationality, just let us know.

  • You’re aged between 18-90

  • You answer the questions about your lifestyle, current health, past health, job type, Any hazard activities that you do, past claim history etc. when applying. Failure to disclose you claim will not be paid by the insurer company.

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  • You are registered with the GP, as if the insurance company needs your medical history then they will be able to get.

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If you meet all, or not sure which cover is relevant, then we can advise you as a protection advisor, on advised basis with many years of experience, so apply today to fill a quick quote form above then we will provide you solutions in next 30 minutes time.

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Or call us on 02080641618

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