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Critical Illness Cover

Many people are surviving serious illnesses that would have been fatal a few years ago. The chances of surviving a critical illness are now much greater, thanks mainly to advances in medical science and surgical technology.Critical Illness Cover is designed to meet a separate need to life assurance. It provides a lump sum to assist you to overcome the physical, emotional and financial traumas which would result from the diagnosis of a serious illness.

A Critical Illness plan is designed to pay out a lump sum if you are unfortunate enough to suffer from any of the specified illnesses within the plan but survive for a period of time after diagnosis (normally 28 days).The lump sum could be used to pay for things like nursing care, home help, adapting your house to accommodate a disability; it could pay off your mortgage or give you a holiday to recover from treatment.

Critical illnesses usually include cancer, heart attack, kidney failure, multiple sclerosis, major organ transplant and strokes. These are known as core conditions and account for the majority of claims. Permanent Total Disability can also be included within the contract. The comprehensiveness of conditions covered varies between insurers and terms and conditions of the contract should be carefully checked. Critical Illness Cover should be viewed as a key component of your protection arrangements.


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