Critical Illnes Cover

Critical Illness Cover

Critical illness cover from Black Lion Insurance, also known as critical illness insurance, could help to alleviate a stressful time should serious illness or a disability strike out of the blue.

What is Critical Illness Cover?

In brief, this type of insurance will pay out if you develop one of the specific medical conditions that are covered by your policy with us.

Generally, critical illness cover doesn’t allow for pre-existing illnesses or conditions.  Also, it won’t pay out if you die.

With this in mind, if you’re not sure, talk to the team here at Black Lion for policies suited to your circumstances. It’s vitally important that you understand all the details. Therefore, we’ll make sure that you’re fully informed to make the best decision for you.

How does it work?

In brief, it’s quite straightforward.  Typically, critical illness cover pays out a lump sum upon diagnosis, should your claim be accepted.

This money could cover your mortgage, bills, or other expenses as outlined in your policy terms. For instance, it could even fund a trip to help you recover and recuperate.

The cost of critical illness cover will depend on your age, the amount of cover you pay for and other important factors regarding lifestyle and your current state of health.

Again, the consultants here at Black Lion Insurance can help.

Do you need critical illness cover?

You’re basically healthy. OK, you could do with getting down to the gym a bit more often, drink more water perhaps.  And, you can run for a bus and walk up hills without too much effort.  Everything is fine.

You don’t want to think about illness.  Especially, if you’re self-employed or a contractor, you just don’t want to go there.

Except that:

A stroke, heart attack or a diagnosis of an aggressive form of cancer doesn’t always happen to other people.  Forgive us, but as the saying goes, it could be you.

How Black Lion Insurance can help

When it comes to critical illness cover, we aim to offer you the appropriate advice at a time that suits you. One of our consultants will talk you through everything we need to know and importantly, what you need to know.

We’ll explain the boundaries and limitations of your cover to enable you to make the right decisions.

Small print is important. We aim to ensure you understand all terms and conditions to avoid any surprises. By the time you pick the policy that suits you best, you’ll be well-informed and jargon-free, too.

When it comes to health insurance, Black Lion Insurance is on your side and we want to help as much as we can.

Contact us through this website or give us a call.  We’re looking forward to speaking to you.