Critical illness coverage for children is included at no extra cost. Or your client can choose the Critical Illness for Children program as an extra if they want more coverage. A serious illness can affect anyone, regardless of age, and change lives. In the event of incapacity for work due to a serious illness, a contingency plan can alleviate the financial stress of the situation. Some people can use their savings to make up for their loss of income, others can count on a package of benefits, while others may find critical illness insurance to be their best option. Our critical illness guidelines are designed to be adapted to make a difficult time a little easier for your client. The following options are available: For more information on critical illness coverage, List of diseases we cover If your health deteriorates, legal and general critical illness coverage covers a number of specific serious illnesses. These include various types of cancer, with the exception of less advanced cases. The list of diseases we cover includes many types of cancer, heart attack and stroke. However, some cancers are not included and you must have permanent symptoms to make a claim for certain diseases.
You can also use the same phone number to submit a claim under critical illness coverage for children or additional coverage for the definitions of “in situ breast carcinoma” or “low-grade prostate cancer.” Our critical illness coverage can be added to life insurance or sliding scale life insurance for an additional fee. It could pay a sum of money if you are diagnosed with one of the specified critical illnesses that we cover during the term of your policy, or if you undergo a medical procedure, and you survive 14 days from the diagnosis An intermediary exclusively. Covers all conditions listed in the category Critical Illness Insurance and Extra Critical Illness Insurance, as well as other critical conditions specified for children. Insurance coverage is included for an unlimited number of children. Learn more about the difference between critical illness coverage and incurable disease coverage. All these benefits are subject to the Terms and Conditions. You should read your policy summary, policy pamphlet and critical illness protection guide before you apply, as we want to make sure you understand what you are and what you are not covered for, including other exclusions. Covers the conditions listed under Critical Illness Insurance.
Insurance coverage is included for up to 2 children and applies to biological children, legally adopted children or stepchildren of the adult. These headlines usually use medical terms to describe a serious illness, but in some cases, coverage may be limited. For example, some cancers are not included and to make a claim for certain diseases, you must have permanent symptoms. Critical illness insurance can help minimize the financial impact on you and your family if you become seriously ill. This is an option that can be added at an additional cost if you purchase life insurance or reduce your life insurance. Incurable and critical diseases refer to serious diseases. However, the difference is that a serious illness refers to a specific serious injury, illness, or medical episode, while a terminal diagnosis means that your hospital doctor expects the illness to result in death within the next 12 months. Our critical illness insurance can be added for an additional fee if you purchase life insurance or sliding scale life insurance. Please read the Critical Illness Insurance Guide (PDF: 149 KB), the Policy Summary PDF: 1.61 MB and the policy brochure PDF: 184 KB before applying. Yes, we automatically include critical illness coverage for children when you choose critical illness insurance.
If your child is diagnosed with a serious illness that we cover, we may pay £25,000 or 50% of your insurance amount, whichever is lower. Some cancers are not included and to make a claim for certain diseases, you must have permanent symptoms. Some cancers are not included and you must have permanent symptoms to make a claim for certain diseases. Below is a complete list of serious illnesses covered. If you were unable to work due to a serious illness, would you be able to cope with the financial consequences? With a sum of money, you can keep control of the funds and decide what to spend the money on. If you already have critical illness insurance with us, you will find the full terms and definitions available to you in your original insurance documents. The critical illnesses for which you are already insured may differ from those listed below. Critical illness coverage can pay out an amount of money if you are diagnosed or medically treated with one of the critical illnesses we cover for the duration of your policy, and you will survive 14 days after diagnosis. Since a critical illness can affect anyone at any age, it may be a good idea to get critical illness insurance for the safety it provides.
You must be a resident of the United Kingdom if you are applying to be eligible. The maximum age for critical illness insurance is 67 years and the minimum duration is two years. In addition, your policy must end before age 75 and the maximum term of your policy is 50 years. For customers with a higher budget who want a little more protection, Critical Illness offers additional coverage for more terms and additional payments. We also offer additional insurance coverage for: Learn more about how life insurance payments work with our in-depth guide. * Insured by AXIS Specialty Europe SE. Support and services are provided by Trustedoctor, a sister company of Further Underwriting International SLU. If you`ve lost a loved one and can`t find their life insurance policy, our helpful guide on what to do is covered. It is not a savings or investment product and has no cash value unless a valid claim is made. Your client will receive an initial payment if they are placed on an NHS waiting list for a specific condition.
You can call our claims team Monday to Friday between 9am and 5pm. The telephone number is 0800 068 07890800 068 0789. In situ breast carcinoma – treated surgically. Low-grade prostate cancer – requiring treatment. Calculators, sales aids and case studies for your customer conversations. You may also want to talk to a financial advisor about your best options before cancelling or changing your policy. Access some of the UK`s best advisors and non-invasive diagnostic tests for referrals in cardiology, oncology or neurosurgery. Available for an additional £4.50 per month*. Our critical illness insurance automatically includes a number of additional services, such as: critical illness coverage for children.
**Based on new individual life insurance sales in 2021, Term & Health Watch Report 2022, Swiss Re. If you cancel your policy within the first 30 days, we will refund all premiums paid. No refunds will be made after 30 days. We need a power of attorney from each insured. For example, you become a new parent or decide to move to a larger house. These types of events usually mean you need more protection. The good news is that we allow you to increase your coverage without the need for additional medical information about the occurrence of certain life events, making the process as easy and stress-free as possible.