Critical Illness - making a claim

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.

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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.

More on Critical Illness

Important

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

Medics Financial Services is a trading name of Global Financial Ltd. Global Financial Limited is an appointed representative of Best Practice IFA Group Limited which is authorised and regulated by the Financial Services Authority. Registered in England, number 922704, registered office as above.

The Financial Services Authority does not regulate some aspects of commercial mortgages.

The Financial Services Authority does not regulate taxation and trust advice.

The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

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