SPECIALIST ADVICE
Critical illness cover
Critical illness cover can pay a lump sum if you are diagnosed with a condition covered by the policy and meet its definition. Policies vary, so quality of cover matters as well as price.
Financial support after a qualifying serious illness
Critical illness cover can pay a lump sum if you are diagnosed with a condition covered by the policy and meet its definition. Policies vary, so quality of cover matters as well as price.
Mortgage security
Use an eligible payout to reduce or repay borrowing after a serious diagnosis.
Recovery costs
Create financial breathing space for treatment, rehabilitation or home changes.
Policy definitions
Compare covered conditions, severity requirements and additional benefits.
Children’s cover
Review whether optional or included children’s benefits are relevant to the family.
Critical illness cover FAQs
Does it cover every serious illness?
No. A claim is paid only for conditions listed in the policy where the insurer’s definition is met.
Can I have life and critical illness cover together?
Yes. Combined and separate arrangements are available, with different implications for how many claims may be paid.
Will previous health conditions be covered?
The insurer may exclude, rate or decline certain risks after medical underwriting. Full and accurate disclosure is essential.
YOUR SMART MORTGAGES CONTACT
Discuss your plans with the right adviser.
A Smart Mortgages protection adviser will compare suitable policy features and underwriting routes.