If premiums are not maintained, then cover will lapse. The Policy may not cover all the definitions of a critical illness

Astute Protection

Critical Illness Insurance

Critical illness insurance provides a safety net when life takes an unexpected turn. If you are diagnosed with a serious medical condition covered within your policy’s listed critical illnesses, it offers a tax-free lump sum to help ease financial pressures.

This cover ensures that you can manage your financial commitments, access necessary care, and make lifestyle adjustments while focusing on your recovery.

Comprehensive Protection for Serious Conditions

Policies typically cover a range of critical illnesses, including certain types of cancer, strokes, heart attacks, kidney failure, major organ transplants, multiple sclerosis, and coronary artery bypass surgeries. Each policy has specific terms and conditions, making it important to understand the scope of your cover and any exclusions.

How Does Critical Illness Cover Work?

Critical illness insurance is often included in life insurance policies but can also stand alone. Upon diagnosis of a covered condition, you’ll receive a single lump sum payment. This payment can be used flexibly, whether to:

  • Replace lost income during recovery
  • Pay off outstanding loans or mortgages
  • Fund therapy or private medical care
  • Adapt your home with features like ramps or handrails

This flexibility allows you to address immediate financial needs while planning for the future.

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Why Have Critical Illness Insurance?

Critical illness insurance provides essential financial protection, offering stability during a time when life can feel uncertain. At Astute Protection, we guide you in selecting the right policy to suit your specific needs.

Financial Stability During a Health Crisis

When faced with a serious illness, a lump sum pay-out ensures that key expenses, like mortgage repayments and household bills, are taken care of. This financial support allows you to focus fully on your recovery without additional stress.

The flexibility of critical illness cover means you can use the pay-out for specialised treatments, therapies, or private healthcare. This ensures you have the resources to access the care you need, tailored to your situation.

A critical illness often comes with unforeseen changes. Whether it’s modifying your home to accommodate new needs or funding transportation for regular appointments, the pay-out can help ease the transition and maintain your quality of life.