What is critical illness insurance – do you need it?

Critical Illness Insurance – One in two people in the UK will develop some form of cancer during their lifetime (Cancer Research UK, 2019).

Every seven minutes someone will have a heart attack and every 12 minutes someone will have a stroke (Heart UK, 2019).

What is it?

Critical illness insurance, not to be confused with income protection insurance or life insurance, provides you with a lump sum if you find yourself getting one of the medical conditions listed in the policy. These might include:

Stroke, heart attack, certain types of cancer, conditions such as multiple sclerosis, and permanent disabilities as a result of injury or illness.

You cannot be covered for health problems you knew you had before you took out the insurance and cannot pay out if you die. The payment can be used in any way you like


Group Critical Illness Cover

A Group Critical Illness policy can be put in place simply and quickly, with options such as whether it’s based on a multiple of salary or a specified amount being entirely at your discretion. Through special arrangement with certain providers we have been able to arrange cover for groups as few as 3 employees with a free cover level of £500,000 per employee. One of the big advantages of the ease in setting up a Group Critical Illness policy is that it does not require you to question individual employees about their health or any pre-existing conditions as no medical declarations are required, furthering the simplicity and ease of setting up this policy.

Find out More

If you are interested in finding out more information regarding Group Critical Illness Insurance Cover or any other health insurance solutions for example group life insurance, income protection or group private medical insurance that we manage at BDHL we would be more than happy to discuss your enquiry.

Speak with a friendly member of our group critical illness team near Tunbridge Wells, Kent, by calling us on +44 (0)1892 891 900. They will take the time to ensure that you receive the relevant information that you’re seeking, alternatively you can email enquiries@bdhl.co.uk or complete the contact form on the website.