What conditions are considered critical?

Years ago Critical Illness policies only covered heart attacks, strokes and cancer but today the list of insured illnesses is truly extensive.

STEP 1 of 2
Type of cover
Life Insurance       Mortgage Life Insurance
 
Cover Level (£)

Number of years
Do you want:  
Critical illness cover
Family income benefit
 

Hot Topics

Why do I need critical illness cover?
1 in 5 men suffer a critical illness before their normal retirement age. 1 in 6 women suffer a critical illness before their normal retirement age.
The following might help you decide how much cover you need.
How much would you need to repay your mortgage, overdraft, loans or any credit card balances? The freedom that comes from being debt free does wonders for recovery
Are Critical Illnesses In Pregnancy Covered?
Pregnancy does not affect any claim under critical illness insurance. It would be hard to make a case that pregnancy was a ‘self-inflicted injury’!
How much does the critical illness cover cost?
The cost of a Critical Illness policy depends on the amount of cover you need, your personal details (especially your health and age) and the optional extras you select.
What information do you need to provide to apply for a Critical Illness policy?
The Application form will ask questions regarding your height, weight, age, sex, current state of health, occupation, hobbies etc.
When choosing a Critical Illness policy, care has to be taken to consider the schedule of critical illnesses that are insured. However, all the policies offered by ClickLife, our Product Partners, have already been carefully screened for you to ensure they cover a very comprehensive list of insured illnesses.

The Insurance Company’s ‘Key Features’ document will list the insured illnesses. ClickLife will post you a copy of your "Key Features Document"

The main illnesses that most people think of are:

  • Heart attack
  • Stroke
  • Cancer

The following list is typical for Critical Illnesses policies. But please note that the lists of qualifying illnesses can vary slightly between insurance companies: -

  • Alzheimer’s disease
  • Aorta graft surgery
  • Aplastic anemia
  • Bacterial Meningitis
  • Benign brain tumour
  • Blindness
  • Cancer
  • Cardiomyopathy
  • Chronic lung disease
  • Coma
  • Coronary artery by-pass surgery
  • Creutzfeldt-Jakob disease
  • Deafness
  • Dementia
  • Heart attack
  • Heart valve replacement or repair
  • HIV or AIDs from an assault, blood transfusion, occupational duties or accident
  • Keyhole heart surgery
  • Kidney failure
  • Loss of independent existence
  • Loss of limbs
  • Loss of speech
  • Major organ transplant
  • Motor Neurone disease
  • Multiple Sclerosis
  • Paralysis/Paraplegia
  • Parkinson’s disease
  • Progressive Supranulcear Palsy
  • Stroke
  • Third degree burns
  • Total and Permanent Disability
  • Cover for children

 

Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -