Critical Illness

Critical Illness

We all feel like super humans at times however the facts suggest we are indeed not. Let us talk to you about Critical Illness cover.
Being critically ill does not have to put a strain on the finances, put something in place today to protect against the BIG 4 risks

Cancer

1 in 2 people in the UK born after 1960 will be diagnosed with some form of cancer during their lifetime.
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1 in 7 UK females will be diagnosed with breast cancer in their lifetime.
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1 in 6 UK males will be diagnosed with prostate cancer in their lifetime.

Source: Cancer Research UK. Correct at time of website publication - April 2019

Stroke

Around 100,000 people suffer a stroke each year, that’s around one stroke every five minutes.
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There are over 1.2 million stroke survivors in the UK.
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Almost two thirds of stroke
survivors leave hospital with
a disability.
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More than 400 children have a stroke in the UK each year.

Source: Stroke Association. Correct at time of website publication - April 2019

Heart Attack

Heart and circulatory diseases cause more than a quarter of all deaths in the UK, that’s nearly 170,000 deaths each year an average of 460 deaths each day or one every three minutes in the UK.
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Around 1.4 million people alive in the UK today have survived a heart attack.
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In the UK there are more than 100,000 hospital admissions each year due to heart attacks: that's one every five minutes.
Source: British Heart Foundation. Correct at time of website publication - April 2019

Multiple Sclerosis

Estimations show there are approximately 100,000 people with MS in the UK. And that each year 5,000 people are newly diagnosed with the condition.
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This means around one in every 600 people in the UK has MS.
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Every day, approximately 14 people are diagnosed with MS

Source: Multiple Sclerosis Society. Correct at time of website publication - April 2019
Critical Illness Video
The above link will take you away from the 3D Mortgages website and will open You Tube in a new window.
Critical Illness Explained
Critical or Serious illness cover is a similar concept to life cover however it pays a tax-free lump sum in the event of being diagnosed with a specified condition, things such as Cancer, Stroke and Heart attack to name a few. Receiving a lump sum in the event of a critical or serious illness allows recovery to be made without financial worry and this kind of cover was designed around the recovery theory. Prior to critical illness cover people were getting seriously ill and then due to commitments, returning to work immediately which ultimately meant future health issues reoccurring and mortality reducing. It was South African doctor Marius Barnard who created the Critical illness cover concept and there is a very useful video to watch in relation to this, click the above link.
Critical Illness Explained
Ultimately you don’t have to die to benefit from this kind of cover, in fact most will live a very long life post anything major happening to them these days, the only difference is that the ones with this kind of cover might be mortgage or debt free which means less worry about the material things and more focus on the things that really matter – family, health and well-being.
Some insurers will also pay out on a severity basis which means a policy could pay out more than once as opposed to the more traditional policies pay out just once. There are also extra add on benefits that can be added such as enhanced Children's cover, Fracture cover and Global Treatment however these are provider dependant.

As with all insurance policies, conditions and exclusions apply

All the Protection you need, in one place

With so many options to chose from, speaking to a professional is crucial in getting the right Critical Illness cover at the right cost and with the right level of benefit included. We use cutting edge technology and work with the UK's top insurers to ensure you are covered if the worst was to happen.
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