Critical Illness Insurance Advice

Financial protection when you need it most.

Blossomfield insurance professionals can help you find and apply for the most applicable critical illness insurance based on your needs and circumstances. We’ll also walk you through other types of insurance that may prove more beneficial, leaving you with the facts to make the best decision for you and your family.   

Call one of our critical illness insurance advisers today on: 0345 066 6555 or drop in to see us at our Coleshill Road, Birmingham office.

Critical illness cover is a policy designed to pay the insured party a lump sum if they suffer a critical illness. Examples of critical illnesses covered by this sort of policy are cancer, strokes and heart attacks. The specifics of what is and is not covered within critical illness insurance will differentiate between insurers and individual policies.

The amount received in the event of a critical illness can also vary between policies and the type of illness experienced. The cover is designed to cover medical expenses and loss of income, so it is not easy to put a single figure on the amount you’ll receive in the unfortunate event you need to make a claim.

To help navigate critical illness insurance and find the most appropriate critical illness cover for your needs, contact a Blossomfield insurance professional now.

When does critical illness cover pay out?

Critical illness cover will pay out on the date an official diagnosis is made or within so many days of that diagnosis. For example, it may pay out 14 days after the diagnosis. Each policy will have its own terms and conditions.

When should I buy critical illness cover?

Critical illness cover can be taken by young adults and by those in their late 60s. There may be a period where the policy does not pay out, such as the first year or two. People are more inclined to consider critical illness insurance if they have a family history of a critical illness or are in poor health. However, these details will likely need to be disclosed upon application.  

What’s the difference between critical illness cover and income protection insurance?

Critical illness cover pays out when you suffer a critical illness, whereas income protection insurance pays out for reasons that prevent you from working, which may or may not be deemed a critical illness. Moreover, critical illness insurance typically pays out a lump sum and income protection is more likely to pay out in instalments until you can return to work.

Blossomfield insurance team is highly experienced in sourcing all types of insurance policies. Not only will we help you find the most advantageous policy for you, but we’ll discuss alternative policy types so you’re fully aware of all options at hand. For a service that really cares, choose Blossomfield.

Our insurance team is just a call away. Pick up the phone and start the search for your financial lifeline should the worst happen. Our experienced critical illness insurance advisers are based in Birmingham, cover the whole of the UK, and will support you through the entire process. Call us today on: 0345 066 6555 or drop in to see us at our Birmingham office.