Frequently asked questions about our critical illness cover, life cover, income protection and unemployment cover.

Critical Illness Cover Speak to one of our friendly, experienced advisors now

Critical Illness Cover       |       Life Cover       |       Income Protection Cover       |       Unemployment Cover       |       News / Articles       |       FAQ’s

Critical Illness Cover - FAQ’s

Which critical illnesses are covered?
This will be dependent upon your specific policy as all insurance providers cover their own list of policies.
Please note however that all providers must cover the ABI (Association of British Insurers) guideline illnesses which are listed on our
homepage.

Will my premiums remain the same throughout my policy?
That is dependent upon if you choose a policy with guaranteed premiums or reviewable premiums.

  • Guaranteed premiums - These will remain the same throughout the whole term of your policy unless you change/alter your policy.
     
  • Reviewable Premiums - These are usually reviewed every 1 or 2 years and can increase or decrease within as little as a 2 week notice period.

Can I include life insurance with my critical illness cover?
Yes you can be covered for both life insurance as well as critical illness on the same policy. Please note however that the policy will only pay out once.

Can I insure my spouse / partner on the same policy?
Yes, you can have a joint policy which will cover you both and pay out on the first claim.

What if I have an ongoing medical condition or have a dangerous occupation?
If you have been or are worried about being refused cover then don’t worry, Our partnered advisers have many years experience in arranging life cover for high risk clients. High risk can mean people with dangerous hobbies or occupations or with pre existing medical conditions such as diabetes, hiv, obese etc.
Please note however that critical illness cover is not usually available to high risk people.

Does income protection insurance cover me against unemployment?
No, Income protection covers you against illness and disability and will pay out until you are well enough to return to work or until your desired retirement age. ASU cover (Accident, Sickness and Unemployment Insurance) will cover you against accidents, sicknesses and unemployment / redundancy. ASU cover will pay out for 1-2 years depending upon your policy.

Click here to compare Critical Illness Cover quotes

Are you truly independent?
We only work with fully independent insurance brokers who can compare quotes predominantly from the ‘Whole of the market’ to help find you the most suitable policy at competitive prices.

Can I just buy my policy direct from the provider?
Some policies you may be able to purchase direct but many of our partnered brokerages have negotiated discounts so may be cheaper.
Also, many of the critical illness cover policies provides are not always available direct to the public and our partnered advisers are able to advise on all polices where each provider can only offer you information about their own product.

Still unsure?
Not to worry!
If you have a question which is not answered above then please do not hesitate to get in touch. We promise that you will speak to a friendly and experienced partnered advisor. To contact us simply fill in our
contact form or call us now on 0800 799 9330.

Click here to compare Critical Illness Cover quotes
Click here to request a callback from one of our advisors
Compare quotes instantly online now.
 

Contact Us     |    About us   |      Terms & Conditions + Privacy Policy     |      Become an Affiliate

 

Copyright © critical-illness-cover.org 2016. All rights reserved.
critical-illness-cover.org is an independent marketing website which acts as an introducer to whole of market companies who offer Independent ProtectionAdvice. Each company is authorised and regulated by the 
FCA (Financial Conduct Authority) or are an appointed representative of a regulated company. critical-illness-cover.org are not authorised to give advice and we are not liable for any protection or financial advice provided by, or obtained through a third party.
The content of this website is for informational purposes only and should not be regarded as financial or protection advice. Views expressed by our author(s), are the personal views of the author(s) alone, and are not intended in anyway to be construed as advice. They should only be used as guidance and are not necessarily suited to the personal circumstances of every individual in the UK.