"1 in 3 people in Britain will be diagnosed with cancer at some
point in their life" (Source: Imperial Cancer Research Fund 1999).
This type of protection pays out a tax free lump sum on the diagnosis
of certain specified critical illnesses, which include Cancer, heart
attack and stroke. (For a list of Critical illnesses covered please
click here. One normally has to survive 14 or 37 days after
the diagnosis of a serious illness (depending on the provider) to
ensure payment. Once a claim has paid out under Critical illness,
the plan will cease and no further benefits will be paid. However,
some providers offer a "buy-back" option, which enables
you to obtain cover, even after diagnosis of a critical illness.
Please contact us on 0870 990 1641 if you are interested in this
type of cover.
Many Critical Illness plans now offer FREE cover for children,
until the age of 18 (usually up to 50% of the parent's sum assured,
up to a maximum of £20,000 per claim, per child). Claims for
children do not effect parent's cover.
Like life cover, You can choose either level or decreasing cover,
which is also available on a single life, joint life first death
or life of another basis.
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Protection (
