Critical Illness Insurance (CII) is also known as Dread Disease Cover is a policy that provides a tax-free cash sum if you suffer a critical illness or disability during the term of the policy. It can be arranged on a specified term or on a whole of life basis.

We have learnt over time that this type of cover is deemed of great importance to the medical professional who sees it as excellent complimentary cover to income protection.

Most policies cover 7 core conditions, cancer, coronary artery bypass, heart attack, kidney failure, major organ transplant, multiple sclerosis and stroke. Then cover can be on anything up to 30 or so conditions. However different policies cover different illnesses, and even define various illnesses in different ways, so it is essential to get the cover that you require. Most plans also pay out on permanent disability as a result of injury or illness; though even here restrictions apply (e.g. self-inflicted or criminal acts) Age, health, lifestyle and family history all affect your policy and it can be arranged as a single life, joint life or family basis on an own occupation or any occupation basis with guaranteed (fixed) or variable premiums.

Policies vary widely so to get unbiased expert help, advice and guidance from your own independent consultant to source the best policy for you from the whole marketplace ring 0845-6756749 or clicking here now.