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?

The Term '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 insurance35 years
Insurance companyAviva

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
  • Cardiomiopathy
  • 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
  • Encephalitis
  • 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
  • Incurable disease
  • 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
  • Multiple sclerosis

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