This covers you for a serious illness or injury and can pay out either a lump sum or monthly income. Critical illness insurance will provide a tax free cash sum in the event that you are diagnosed with one of a set list of critical illnesses (most policies cover 30-40) where your diagnosis meet the providers definition. This cash sum can be used however you need to use it, it could be used to clear a mortgage or it could be used to replace a lost income, to pay for private treatment or for whatever else you feel is required.

This gives you peace of mind and lets you concentrate on getting better and spending time with your family rather than worrying about paying bills.

As with all insurance policies, conditions and exclusions will apply.

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