Each Provider has a list of different definitions you can be covered for, and some will look at lower graded critical illnesses at an additional cost.

Some providers will want you to survive a Critical Illness for a certain period of time, however there is a provider who will potentially pay out on production of a consultant’s letter.

All the classic Critical Illnesses are normally covered, for example:

• Cancer (excluding less advanced cases)
• Heart Attack
• Cardiomyopathy
• Stroke
• Liver Failure

Are you aware of some other standard definitions which are covered?

• Deafness (permanent and irreversible)
• Dementia (resulting in permanent symptoms)
• Multiple Sclerosis
• Blindness (permanent and irreversible)
• Third degree burns (covering 20% of the body)

For an additional premium, it’s possible to cover you for extra, less severe Critical Illnesses, for example:

• Coronary angioplasty
• Less advanced cancers i.e. cervix, lung, testicular
• Less advanced cancer of other sites – with surgical removal
• Skin cancer

Taking a critical illness policy is arguably more important than life cover as it’s something you personally benefit from. Having such a policy can be a godsend, it can provide you with options at what could be a very worrying time, for example, avoiding a need to rush back to work too early or allowing you to make structural changes to a property in the event of a permanent disability.

Obviously, life cover is also important, and we will discuss all aspects of your protection to ensure your needs are met.

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