Critical Illness Cover

Secure Tomorrow; Protect against critical illness today

Just like you insure your car or pet, it’s crucial to insure yourself and your family. Illness, disability, and job loss can happen to anyone. Protecting your loved ones from financial hardship is essential. We’ll help you plan for any situation, ensuring your family’s needs are met if you can’t work due to sickness, serious illness, or premature death. Together, we’ll assess the best insurance options within your budget to secure your family’s future. Life changes, and so do your insurance needs; we’re here to guide you every step of the way.

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How Can We Help?

Critical illness cover is an insurance policy that provides a lump sum payment if you are diagnosed with a specified serious illness or medical condition. This type of insurance typically covers illnesses such as cancer, heart attack, stroke, and other life-threatening conditions. The pay-out is designed to help you manage the financial impact of a critical illness, covering expenses like medical bills, rehabilitation costs, and necessary lifestyle adjustments.

Why is Critical Illness Cover Needed?

Medical Expenses: It helps cover the high costs of medical treatment, surgeries, and therapies that may not be fully covered by health insurance.
Loss of Income: If you are unable to work due to your illness, this cover provides financial support to replace lost income.
Daily Living Costs: It ensures you can maintain your standard of living, paying for everyday expenses like mortgage or rent, utilities, and groceries.
Peace of Mind: Knowing you have financial support allows you to focus on recovery without the added stress of financial worries.

Why an Adviser is Best

Tailored Coverage: Advisers assess your personal health risks and financial situation to recommend the most suitable policy for your needs.
Expert Insights: They have in-depth knowledge of different policies and their specific terms, helping you understand what illnesses are covered and under what conditions.
Navigating Complexity: An adviser simplifies the process of comparing and choosing policies, ensuring you get comprehensive coverage without any hidden surprises.
Ongoing Assistance: They provide continuous support, reviewing your coverage as your health and circumstances change, ensuring your policy remains appropriate.

At Confido Financial, our advisers are committed to helping you secure the right critical illness cover, providing financial protection when you need it most.

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FAQs

Critical illness cover is a type of insurance that pays out a lump sum if you’re diagnosed with a serious illness or medical condition covered by the policy. This payment can help cover medical expenses, mortgage payments, and other financial obligations during a challenging time.

Common illnesses covered by critical illness insurance may include cancer, heart attack, stroke, organ failure, and certain types of surgeries. The specific illnesses covered vary depending on the insurance provider and policy terms.

Some insurers may offer critical illness cover to individuals with pre-existing medical conditions, although coverage for pre-existing conditions may be limited or excluded. It is essential to disclose all relevant medical information when applying for coverage.

The amount of critical illness cover you need depends on factors such as your medical history, financial obligations, and the potential costs associated with a serious illness. A financial adviser can help you assess your needs and determine the appropriate coverage amount.

No, critical illness cover and income protection insurance are 2 distinct types of insurance. Critical illness cover provides a lump sum payment upon diagnosis of a covered illness, while income protection insurance provides a regular income if you’re unable to work due to illness or injury.