Critical Illness - making a claim

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If you are unsure about specifics or have questions about critical illness or would like a free, same day quotation - then please do get in touch with us by filling out our simple enquiry form.

Typically, the benefit is paid as a one-off lump sum and is tax-free.

Payment is generally made within 14-21 days of a serious illness being diagnosed though in the event of permanent disability it will take longer - usually six months to a year.

Critical illness insurance is different to permanent health insurance, which pays a regular income in the event of long-term sickness or injury.

There are a number of instances where payments under one plan would not be allowed under the other. For example, if you suffer from severe back pain you will not be covered under a critical illness policy, but probably will qualify for payment under the terms of a PHI plan.

In contrast, a minor stroke would probably qualify for a critical illness payment but would not necessarily be eligible under an income protection scheme.

Important

Your home may be repossessed if you do not keep up repayments on your mortgage.

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Critical Illness - making a claim

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