Critical Illness Cover
Who should consider Critical Illness Cover?
An insurance policy that pays out a pre-arranged lump sum following the diagnosis of one of a list of several medical conditions.
Critical Illness is often linked with a life insurance policy and can be set against the term of a mortgage either on full pay out basis or a decreasing term that runs in line withe the paying off of the mortgage.
Life insurance will pay your estate a lump sum that can be used to pay off debts including mortgages when and if you die. However, there are many illnesses and medical conditions that can stop you earning or mean your income is reduced so that you do not have enough income to pay monthly bills, including mortgages.
Critical Illness pays out a pre-arranged lump sum in the event of the diagnosis of one of a list of specific medical conditions.
Conditions such as:
- AIDS / HIV (for medical personnel or via blood transfusion)
- Alzheimer’s (and other pre-senile dementias)
- Angioplasty
- Aorta graft surgery
- Benign brain tumor
- Blindness
- Cancer
- Coma
- Coronary artery by-pass surgery
- Deafness
- Heart attack
- Heart valve replacement or repair
- Insulin dependent diabetes Mellitus
- Kidney failure
- Loss of abilities to perform “actions of daily life”
- Loss of limb
- Loss of speech
- Major organ transplant
- Motor Neurone Disease
- Multiple Sclerosis
- Paralysis / Paraplegia
- Parkinson’s Disease
- Permanent total disability
- Stroke
- Terminal illness
- Third degree burns
The lump sum can be claimed following survival of at least 28 days following diagnosis. Children can claim multiple payouts.
Why buy Critical Illness?
- Reduce or pay off mortgage following survival & diagnosis of one of listed conditions
- Help to convert home for wheelchair access, stair lift, etc.
- Pay for further medical treatment
- Holiday following surgery & recovery
- Support or reduce the premiums of an income protection policy
Critical Illness
International
Medical Insurance
Online
Family / Individual Quotation
Berwick
Devoil Healthcare Limited, The Old Winery, Lamberhurst Vineyard, Lamberhurst,
Kent TN3 8ER
tel: +44(0)1892 891900 fax: +44(0)1892 891892 email: enquiries@bdhl.co.uk
Berwick Devoil Healthcare Limited is authorised and regulated by the
Financial Services Authority
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