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Critical Illness Insurance

Being diagnosed with a critical illness is life-changing and is extremely challenging for anyone. In an instant, you have to think about medical appointments, treatments and what support you’ll need to help you through the process. Yet, for many of us who are currently not in that situation, we simply don’t think it could ever happen to us. Unfortunately, no one can predict the future, but there is a way that you can organise and prepare, in case you were diagnosed with a critical illness.

Critical illness insurance can help with the financial side of things and take the pressure of mounting bills and outgoings during a testing time. Here the Bright Compare team delve deeper into what critical illness insurance is and how it can provide support when you need it most.

What is critical illness insurance?

This is an insurance that you take out when you are in good health, in case you are diagnosed with a certain illness or disability in the future. You pay an agreed amount to an insurance provider each month to cover this possibility and a lump sum will be paid out to you if you are diagnosed with a critical illness.

This lump sum is particularly handy to cover everyday expenses, bills, outgoings and even paying off your mortgage or any medical bills. And because there isn’t a rule as to how you spend that lump sum, you can use the money however you see fit. Hence, critical illness insurance can really provide great financial support and take a weight off your shoulders, so you can focus your attention on your health and managing your condition.

Payment times vary from provider to provider when you make a successful claim on your policy. Some can take as little as eight weeks on average from the moment you claim to when the provider pays the money out. To receive the lump sum as soon as possible, it’s always best to inform your critical illness insurer as soon as you get your diagnosis.

What illnesses are covered?

Depending on what provider you choose for critical illness insurance, the cover will vary slightly across the board. This can also be applicable when it comes to which illnesses are covered by policies and which aren’t.

However, there are certain illnesses that are covered as standard by the majority of providers. These include:

  • Heart attack/cardiac arrest
  • Organ failure
  • Multiple Sclerosis (MS)
  • Cancer
  • Stroke
  • Parkinson’s disease
  • Alzheimer’s disease

It may be possible to add certain additional illnesses to your insurance, but this may incur an extra charge.

What isn’t covered?

Certain policies may only provide insurance once the illness becomes more severe and not all types of illness will be considered in the cover. It’s always best to thoroughly check through your policy paperwork so you have a clear understanding as to what is and isn’t included.

Unlike life insurance, critical illness insurance policies do not offer a payout if you pass away. If you wish for your family to have the security of financial support when you pass away, you will need to consider taking out life insurance as well as or instead. If you need further clarification as to which to choose from before you begin to compare critical illness insurance, it’s might be best to seek regulated financial advice to explore your options further.

How much does critical illness insurance cost?

Everyone is different and so is their health. Therefore, how much you pay for critical illness insurance will vary for each person and is affected by the following:

  • Age – if you take out a critical illness cover policy when you are younger, your premiums will be cheaper than someone who is older, as the risk of getting ill isn’t as high overall.
  • Gender – according to data, men are more likely to make claims from their policies than women, and hence will possibly have to pay more.
  • Health – if your health is good, you can expect to pay less.
  • Job – you will pay more if your work is of a higher risk to your health.
  • Lifestyle – if you smoke, for example, you will automatically pay more for cover, as there is greater risk to your health.
How and where can I buy and compare critical illness insurance?

There are a couple of ways you can buy critical illness insurance. You can speak to an independent financial adviser who can take a look at all the policies available to you and select the one that best suits you. Yet, it’s best to be aware that you may have to pay for this.

Or, you can purchase directly from an insurance provider. However, you may wonder which insurance company is most suitable and what type of policy is best. Where do you start? To kick things off, a critical illness insurance comparison will help you understand what options are available to you.

Critical illness insurance comparison

Here at Bright Compare, critical illness insurance comparison has never been so easy with our process taking no time at all. To begin a critical illness insurance comparison, all you need to do is enter your details and our smart technology will do the rest. We will find quotes for you in seconds, so you can see which one is best suited to you and apply, meaning all the paperwork can be left to us to work through.

Our smart technology will help you compare critical illness insurance across the board and assist you in making the right financial decision. We have 24/7 access to the best deals out there and with our secure technology, we keep all of your personal data highly protected.

So, what are you waiting for? Compare critical illness insurance at Bright Compare today!

Frequently Asked Questions

Ideally at the earliest age possible to minimise premiums. Maintain financial independence and look after your health with Bright Compare. Our smart technology delivers the best critical illness insurance deals within seconds. We’re here 24/7 to help soothe late night worries. Safe and secure.

Critical illness insurance pays you money when you are unwell. Compare policy deals with Bright Compare smart technology. We deliver reliable critical illness insurance deals from reputable providers direct to you, 24/7. Maintain your independence and compare with us today.

Yes. Worried about your existing illness impacting your insurance eligibility? Bright Compare can help. Our smart technology delivers independent and secure comparisons to you within seconds, 24/7. Find the cover you need with Bright Compare independent comparison. Try us today!

Yes. You can compare critical illness cover options with Bright Compare. Our easy to use smart technology delivers reliable results within seconds. We’re open 24/7 to help you secure your future. Maintain your independence and compare critical illness cover with us today.

Yes. Compare the best illness insurance for retirees with Bright Compare. Our easy to use site delivers tailored, informed results within seconds. Your personal information is safe with us. We’re open 24/7 to help you secure your future. Compare insurance solutions today.