Critical Illness Insurance

There are some similarities between Critical illness policy and life cover. The big difference being that it is designed to payout a lump sum if you are diagnosed with or suffer from a serious/ critical illness or if you have to go through certain types of surgeries as mentioned in policy terms and conditions.

Critical Illness insurance is highly recommended if you have a family who depends on your income or if you have a mortgage which is fully or partially funded by your income. Our experts can advice you on the right critical illness cover as per your needs.

If you’re affected with a condition covered by your insurance, you’ll normally get a tax-free lump sum payout. This will assist you in supporting the transition in your life and alleviate any financial issues that will arise as a result of it. It may be used to pay off any debt, replacing any lost wages, or paying off your mortgage. If you have dependents at home, the income from your insurance will help your family cope financially.

What are the advantages of having a critical illness insurance policy?

If you want to ensure that the ones you care for get a guaranteed lump amount of money if you get critically ill then Critical Illness is the right option.

Another advantage is that the premium  will remain the same for the duration of the policy once the policy is taken. Some policy providers also provide child cover up to a certain amount free of charge.

Not all conditions are protected, and each provider’s policy covers a varying number of conditions. The right to make a claim on a Critical Illness policy is dependent on following the conditions laid out by the insurer at the time of the policy’s inception.

The most suitable provider for you can differ depending on your condition and budget. It’s important to remember that a policy’s comprehensiveness isn’t necessarily proportional to its cost. Furthermore, while some providers may exclude pre-existing conditions or raise premiums as a result of them.

To know more about critical illness coverage please contact us for more information and to meet with one of our advisors or call us on 02080950120 or email us on


    Mountview Financial Solutions is a trading style of Rosemount Financial Solutions Ltd who are an appointed Representative of Quilter Financial Services Ltd and Quilter Mortgage Planning Ltd, which are authorised and regulated by the Financial Conduct Authority. Registered as a company in England and Wales No. 5676603. Registered Office: Rosemount House, 2-4 Chequers Road, Basingstoke, United Kingdom, RG21 7PU.

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