Critical illness protection means that should you be diagnosed with an illness or medical condition that is specified in your policy, you will receive a tax-free lump sum.

For example, if you took out a policy and were then diagnosed with diabetes you would then receive a payout if it was covered by your policy; however, insurer’s will only cover conditions specified in your policy and nothing else.

Most insurers include major conditions such as stroke, heart disease etc. however, some conditions are excluded by certain providers and payouts are often based on the severity of your condition.

If you think you might need Critical Illness insurance then give us a call today to speak with one of our expert team, who can walk you through the available options and conditions covered by different providers, or one of our advisors, who can give you recommendations based on their extensive knowledge and experience.