Our simple 3 step process

What’s the deal with critical illness insurance?

Each policy might be different. We’ll swoop in and help you decide on the right one for you and your budget. We’ll get to know your circumstances, like existing conditions, diseases, and illnesses you’ve suffered with before, and match you to the right policy.

How Does Critical Illness Cover Work?

When you take out a critical illness policy, you pay regular premiums to your insurer. In return, you’re covered for a set list of serious medical conditions, such as cancer, heart attack, or stroke. If you’re diagnosed with one of the listed conditions during the policy term, the insurer pays out a one-off lump sum. Most policies run for a fixed number of years, often in line with your mortgage term or until your children become financially independent. You can choose the level of cover based on your needs, for example, enough to pay off your mortgage or replace several years of income.

When applying, you’ll be asked questions about your health, lifestyle, and family medical history. These help the insurer assess your level of risk and set your premium. The younger and healthier you are, the more affordable your cover tends to be. Some people take out critical illness cover on its own, whilst others combine it with life insurance for more comprehensive protection. This way, you’re covered not only if you pass away but also if you’re diagnosed with a serious illness during the policy term.

What Does Critical Illness Insurance Cover?

Most critical illness cover includes a set list of major illnesses and conditions. These often include:

• Cancer
• Heart attack
• Stroke
• Multiple sclerosis
• Kidney failure
• Major organ transplant
• Parkinson’s disease
• Motor neurone disease
• Coronary artery bypass surgery

In most cases, the policy will only pay out if your diagnosis meets specific criteria set by the insurer. This usually means that less severe forms or early-stage diagnoses of certain conditions may not qualify for a payout. Coverage can vary between providers, so it’s important to review the policy details carefully. At Mortgage Matters, we help you understand exactly what each policy covers, ensuring you get the protection that suits your needs.

What Our Critical Illness Insurance Covers

At Mortgage Matters, we help you find personalised critical illness cover, giving you vital protection that suits your needs and budget. We’ll guide you through the options, ensuring your policy provides the financial support you and your family might need during difficult times.

Your policy can cover the cost of your mortgage so you can stay in your home while recovering, replace lost income if you’re unable to work, pay for private medical treatment to speed up your recovery, and cover everyday living expenses so you don’t have to worry about finances while focusing on your health. We offer options to include a wide range of serious illnesses and conditions, giving you comprehensive protection tailored to your personal situation.