critical illness insurance

Critical Illness Insurance UK
Income protection, Permanent Health Insurance, Critical illness, Life Cover,
Mortgage Protection, Family Income Protection

Today is

Critical Illness Cover

Critical Illness Cover (Lump sum) is paid out if you are diagnosed as suffering from one of the critical illnesses
described in your policy.

A typical list of critical illnesses covered by an insurer :

  • Alzheimer's Disease before age 65
  • Angioplasty
  • Aorta Graft Surgery

  • Benign Brain Tumor
  • Blindness

  • Cancer (most malignant types)
  • Coma
  • Coronary Artery By-pass Surgery

  • Deafness

  • Heart Attack
  • HIV / AIDS (very restricted and mainly named group.
    Often only where this is a hazard of employment/profession)
  • Kidney Failure

  • Loss of Limbs
  • Loss of Speech

  • Major Organ Transplant
  • Motor Neurone Disease before age 65
  • Multiple Sclerosis

  • Paralysis / Paraplegia
  • Parkinson's Disease before age 65
  • Permanent and Total Disability before age 65
  • Pre-Senile Dementia before age 65

  • Stroke

  • Third Degree Burns

Any insurer may stop paying when the claim results from a criminal act, failure to follow medical advice, HIV/AIDS (except named groups), self inflicted injury, war and civil commotion.

The benefit presently is not taxable.

The insurance is offered as level benefit, where premiums and claims amount stay the same during the insured period. Alternatively this can be Index-linked. This will be tied to the \Retail Price Index and will be adjusted on a yearly base.


See Premium Examples for more details.

Cannon Healthcare, one of the few fully independent health insurance advisors and brokers in the UK, will profile a modular cover for you and do insist on giving full advice as well as explaining the potential pitfalls of all of the above types of information or any combination thereof.

You are welcome to either use our on-line request questionnaire (covered by a full privacy statement) or you can print and fax this questionnaire free to 0800 652 8451. Alternatively speak directly with Mr. David Cannon BSC or one of his fully trained staff ( Free 0800 652 8450). There you will receive no sales talk, just clear and conscious information to put you in a position to decide the best suited cover for your personal circumstances.

It is important to understand that each of these types covers a specific risk and you may therefore need to think about insuring the actual premiums.
Why ? You make a claim on the Income Protection Cover and you have CI and LI insurance. The premiums for these will have to be paid to keep their respective risk cover.
It is important to know that missing a premium payment will waive (eliminate) the respective cover.

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