Critical Illness Insurance
The likelihood of getting a serious illness is much higher than the risk of death so it it worth remembering to
get a financial support in such a difficult situation and consider getting a policy.
What is a critical illness?
'critical illness' describes a serious illness that is not fatal in most cases,
causes temporary or permanent inability to work.
Plan pay out in the event of a diagnosis of illness or in the event of death.
The amount of payout can be distributed according to the beneficiary’s wishes.
It helps to adjust to new ways of functioning and helps to come back to good health.
Similarly to life insurance
Life Insurance critical illness cover has got a term..
Example of a calculation
Woman 30 years old
non-smoker, occupation - salesman, financial security for the family in the event of a diagnosis of a critical illness or death.
Life insurance amount £50000 Monthly premium £19.33 Guaranteed term of insurance 35 years Insurance company Aviva
Calculation date 22/03/2023 (Calculation for illustration purposes only)
Examples of illnesses accepted by majority of insurance providers in the UK:
Alzheimers before 65 resulting in permanent symptoms
Operation on veins as a result of illness
Aplastic anemia – resulting in permanent symptoms
Bacterial meningitis – resulting in persistent symptoms
Benign brain tumor - resulting in persistent symptoms
Blindness - permanent and irreversible
Cancer, malicious - excluding less advanced cases
Coma– resulting in permanent symptoms
Coronary arterial transplant – bypass – with sternum separation operation
Creutzfeldt-Jakob disease - requiring constant help and support
Deafness – permanent and irreversible
Heart attack, heart valves defect - specific condition
Heart valves replacement or repair – with sternum separation surgery
Infection with HIV – when the patient became infected in the UK through blood transfusion
Infection with HIV – when the patient became infected through physical assault or working in one of the classifying jobs
(tzn. każde stanowisko, które dostarcza pomoc w zakresie medycznym, bądź pomoc pielęgniarska lub laboratoryjna, itp.)
Kidneys’ damage – requiring dialysis
Liver damage - final stage
Loss of the ability to independent living -resulting in permanent symptoms
Loss of a hand or foot - total physical separation
Loss of speech- total and irreversible
Transplant of major organs
Motor neurone disease - resulting in permanent symptoms
Open heart operation - with sternum separation operation
Atherosclerosis - with permanent symptoms
Limbs paralysis - total and irrevocable
Parkinson’s disease before 65- resulting in permanent symptoms
Dementia before 65 - resulting in permanent symptoms
Pulmonary hypertension - resulting in permanent symptoms
Progressive supranuclear palsy
Operation of pulmonary trunk – with sternum separation operation •
Severe lung disease/respiratory failure - specific condition
Stroke - resulting in permanent symptoms
Systemic lupus erythematosus - severity specified
3rd degree burns- covering 20% of the skin or 50% of face
Total permanent disability before age 65
Tragic Head Injury - resulting in persistent symptoms
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