Critical Illness Cover – For Serious Medical Conditions

Critical Illness Cover (CIC) eases the financial pressure you are likely to experience if you are diagnosed with a life-threatening health issue. Should you suffer from a serious medical condition such as a stroke, heart attack or cancer, a cash lump sum would be paid out to you tax-free. This could be used to pay off a mortgage, clear other debts, make alterations to your home or even take a holiday to help with your recovery.

Critical Illness Cover

What Would Happen If I Fell Sick?

  • You’re given a cancer diagnosis. After surviving a specified period of time, usually 14 – 30 days, you would receive a tax-free cash lump sum.
  • You’re unable to work for a long time. You can use the cash lump sum to pay your mortgage, bills or debts.
  • You don’t know when or if you can return to work. Whether you can return to work or not, you will still receive the benefit.

What Does it Cover?

Critical Illness Cover is a policy which pays out if you are diagnosed with a serious medical condition. At Halo Consulting, we will take the time to listen to you. We ask the right questions to help you find a suitable solution to reflect your lifestyle. We want to protect you and your family should the worst happen. It’s not about premiums or policies, it’s about having peace of mind when you need it the most.

How Do We Assess Critical Illness Cover?

We will look at your…

  • Your age
  • Your health
  • Whether you smoke
  • Chosen level of benefit
  • How long you want the policy to run

Protecting your health is vital, especially if you have a family. Critical Illness Cover will help to protect you should be diagnosed with cancer, heart attack, stroke, kidney failure, multiple sclerosis, or if you need coronary artery bypass surgery or a major organ transplant. To be insured for particularly high levels of benefit, an insurer may ask that you undergo a medical assessment before offering any terms.

For more information and specific questions please see our Critical Illness FAQ page.

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