Serious Illness Insurance
Serious illness cover is similar to critical illness cover but rather than paying out when a condition becomes critical you can receive an earlier pay-out depending on how severe the illness has become.
Here’s why you’re up to twice as likely to get a payout from us than a typical critical illness policy:
The alternative is to take out two individual policies; this means you will both covered separately and the insurer will pay out for deaths. Running two policies can be more expensive but most insurers will give you extra discounts to help, give us a call to find out more about single or joint policies
How Serious Illness Cover works
For most conditions, a typical critical illness policy would give you a payout for your full cover amount, or nothing at all. This can leave you with nothing to help you cope with an illness that's having an impact on your life. Serious illness cover give you a percentage of your cover amount depending on how severe your condition is.
If you make a claim for a condition that pays out part of your cover amount, serious illness cover keep covering you for the remaining amount. So if your condition gets worse, or you're diagnosed with a more severe condition, you can claim again. You can do this until you've used up your whole cover amount
Why you're more likely to get a payout with Serious Illness Cover
Serious illness cover more conditions than other insurers. They also cover earlier stages of certain conditions - in some cases, make partial payouts when you're diagnosed, rather than waiting until you have surgery or develop permanent symptoms. Together, these things mean you are more likely to get a pay out with our cover, than with a typical critical illness policy
