Critical Illness Cover pays out a cash lump sum if you are diagnosed with a defined critical or serious illness. For many people, this may be the single most important cover available. It is an unfortunate fact that many of us will be diagnosed with a critical illness such as cancer, multiple sclerosis, parkinsons or alzheimers. Critical Illness Cover can provide some protection to the financial impacts that these can cause.

Different insurance companies cover different types of critical and serious illnesses and they will pay dependent on how severe the condition contracted is. For example, one insurer may pay a claim for a less severe form of breast cancer than another insurer does.

In the same way as mortgage companies each have different ways of working, so do insurance companies.

As is the case with Life Insurance , cover can be adjusted both up and down in order to find a policy cost that matches your particular budget.

Many insurers do not cover everything, so get in touch with Gareth who will be delighted to advise you.