Critical Illness Cover
Life doesn’t always go as planned, but with critical illness cover, you can focus on your recovery instead of worrying about finances. At Calm and Covered, we help you find the right plan to protect you and your loved ones during life’s unexpected challenges.
What is Critical Illness Cover?
Critical illness cover provides a tax-free lump sum if you’re diagnosed with a serious illness covered by your policy. It’s designed to ease the financial burden during a tough time, so you can focus on getting better.
It can help cover:
Household bills and living expenses
Mortgage or rent payments
Private medical treatment or specialist care
Time off work for recovery
Why Do I Need Critical Illness Cover?
No one expects to face a serious illness, but having a plan in place can make all the difference. Critical illness cover provides:
Financial security: Reduce the stress of paying bills while you recover.
Peace of mind: Know your family is supported, even if you’re unable to work.
Flexibility: Use the lump sum how you need - whether it’s for medical care, home adjustments, or everyday costs.
How Does It Work?
Choose your coverage: Decide the amount of protection you’ll need.
Select your policy term: Coverage for as long as you need, often tied to life events like a mortgage or raising a family.
Pay your premiums: Affordable monthly payments to keep your policy active.
Claim if needed: Receive a lump sum pay-out if diagnosed with a covered condition.
Types of Critical Illness Cover
We work with trusted providers to find the right type of policy for you:
Standard Critical Illness Cover
This policy provides a lump sum payout if you’re diagnosed with one of the listed serious conditions, such as certain cancers, heart attacks, or strokes. It’s designed to help with financial pressures during recovery, like medical costs or lost income.
Comprehensive Critical Illness Cover
Offers broader protection than standard cover, including additional conditions like early-stage cancers or partial payouts for less severe illnesses. This type of policy ensures you’re covered for a wider range of health challenges.
Children’s Critical Illness Cover
An optional add-on to many policies, this provides cover for children facing serious illnesses. It includes a payout to support medical expenses, time off work, or any extra costs during a child’s illness, giving families extra peace of mind.
What Does It Cover?
Critical illness cover typically includes conditions such as:
Cancer (specific types and stages)
Heart attack
Stroke
Multiple sclerosis
Organ transplants
Major surgeries
Some providers will also include cover should your children fall critically ill, these are options we can explore together.
The exact conditions vary by provider, and we’ll help you understand what’s covered and what’s not.
Great reasons to choose us
Simple, straightforward advice
No jargon, just clear guidance.
Wide range of providers
Tailored options to suit your budget and lifestyle.
Support every step
We’re here to make it quick, easy, and stress-free.
Get Started Today
Protect yourself and your family from life’s uncertainties. Complete our "Start my free quote" form, and one of our advisors will help you find the right critical illness cover for your needs.
Frequently Asked Questions
What’s the difference between life insurance and critical illness cover?
Life insurance provides financial support to your family if you pass away, while critical illness cover supports you if you’re diagnosed with a serious illness.
Can I add critical illness cover to my life insurance policy?
Yes, many providers allow you to combine them. We’ll help you find the right option.
Are all illnesses covered?
No, policies only cover specific conditions outlined in the terms. We’ll make sure you fully understand what’s included.
