Critical Illness
Cover Advice
What Is Critical Illness Cover?
Critical Illness Cover is a specialised insurance policy that pays out a lump sum if you’re diagnosed with a serious health condition. This payout can help you manage any financial pressure by covering medical bills, mortgage payments, and everyday expenses, allowing you to focus on your health instead of money worries.
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How Critical Illness Cover Supports You
Today, Critical Illness Cover can be tailored to provide you with financial cover against over 33 serious conditions, including cancer, heart attacks, and strokes. At Boon Brokers, our expert insurance advisers will help you secure the cover that provides a financial cushion - helping protect you and your family’s lifestyle throughout your recovery.
- Expert income protection advice - completely fee-free
- Personalised protection with whole-of-market insurance expertise
- Critical Illness Cover that can be tailored to your job
- Custom protection for self-employed professionals and those without SSP
Secure your Critical Illness Cover Today
Protect yourself and your loved ones from the financial impact of serious illness with cover that is tailored to your health, work, and lifestyle. Arrange a free, no-obligation consultation with an expert insurance adviser today and take the first step towards long-term financial security.
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Our Process
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Step Two
One of our friendly advisers will contact you to learn more about your situation.
Step Three
Relax while we find you the best Insurance product.
Get Expert Advice on Critical Illness Cover Today
Secure critical illness cover and safeguard your financial future. Fill out the form below to arrange a fee-free, no-obligation call with an expert insurance adviser. Our team is ready to guide you to the policy that fits your unique needs.
Frequently Asked Questions
FAQWhat Conditions Does Critical Illness Cover Usually Include?
The exact conditions that are covered by Critical Illness Cover (CIC) will be dependent on your specific provider and policy. Generally, CIC can protect you against over 30 serious conditions, including cancer, heart attack, stroke, and multiple sclerosis. Some plans will offer optional add-ons for additional conditions or partial payouts for less severe diagnoses.
As policies vary, it’s important to work with a trusted insurance adviser to ensure your specific CIC policy matches your exact needs.
As policies vary, it’s important to work with a trusted insurance adviser to ensure your specific CIC policy matches your exact needs.
Can I Get Critical Illness Cover If I Have Pre-Existing Health Issues?
Yes, while it can be a more complex process, many insurers will still offer Critical Illness Cover to people with pre-existing conditions. Importantly the terms and conditions will vary from each provider and it is likely that there will be higher premiums or exclusions for specific illnesses.
Working with a whole-of-market broker like Boon Brokers can help you find policies that consider your health history, securing you the very best policy tailored to your needs and protection.
Working with a whole-of-market broker like Boon Brokers can help you find policies that consider your health history, securing you the very best policy tailored to your needs and protection.
Is Critical Illness Cover Suitable For Self-Employed People?
Yes, self-employed individuals can greatly benefit from Critical Illness Cover (CIC) as they often lack the benefits of employed statutory sick pay and other company associated benefits.
CIC provides peace of mind that should you become seriously ill and unable to work, you will have financial security that can help cover business costs, personal expenses, and family needs when your income is disrupted.
CIC provides peace of mind that should you become seriously ill and unable to work, you will have financial security that can help cover business costs, personal expenses, and family needs when your income is disrupted.
How Long Does It Take To Get Critical Illness Cover Approved?
Exact approval times depend on your chosen cover and provider. Typically, arranging Critical Illness Cover takes anywhere from a few days up to a few weeks.
The entire process includes assessing your health, lifestyle, and medical history. Working with an expert insurance adviser can help speed up approval and ensure your application meets insurer requirements.
The entire process includes assessing your health, lifestyle, and medical history. Working with an expert insurance adviser can help speed up approval and ensure your application meets insurer requirements.
Can I Add Critical Illness Cover To An Existing Life Insurance Policy?
Many insurers will allow you to add critical illness cover as an addition to your life insurance, combining protection into one plan. However, it is common for Critical Illness Cover to be completed as an additional separate policy, saving time on amending and amalgamating all policies into one formal document.
What Happens If My Condition Isn’t Covered By My Policy?
Unfortunately, if your diagnosis isn’t listed in your policy’s covered conditions, you will not be eligible for any insurance payout. It is vital to carefully review which illnesses are included in your cover before purchasing your insurance.
Can I Change Or Cancel My Critical Illness Cover Later?
Yes, most policies will allow you to change or cancel your cover, but it’s best to check the terms and any implications of cancelling before you officially purchase your insurance. For example, cancelling early might mean losing coverage and any premiums paid.
Some policies may offer flexible options to increase cover or add/remove benefits as your needs change over time. At Boon Brokers, our expert advisers will help you find an insurance policy that meets your needs today and adapts to your future plans.
Some policies may offer flexible options to increase cover or add/remove benefits as your needs change over time. At Boon Brokers, our expert advisers will help you find an insurance policy that meets your needs today and adapts to your future plans.
How Does a Critical Illness Payout Work?
If you’re diagnosed with a covered illness and meet the policy’s criteria, you can claim to receive a lump sum payment. This payout is typically tax-free and can be used for anything, from covering mortgage payments to funding private treatment or everyday expenses during your recovery.
