Critical Illness
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Critical Illness
What is Critical Illness Cover?
Critical illness cover is a type of insurance that pays out a lump sum if the policyholder suffers from certain severe medical conditions.
This money can help pay for medical expenses and other costs associated with long-term illnesses.
It can also provide financial security if you cannot work due to the condition, helping you maintain your lifestyle while your medical treatment is ongoing.
Benefit paid: Lump sum
Critical illness insurance provides you with a tax free cash sum in the event you are diagnosed with one of a list of common defined critical illnesses. The cash sum you receive can be used however you like, but is designed to take the financial burden off you during a difficult period in your life. Critical illness, like life insurance, can be a fixed lump sum or can decrease in line with your mortgage.
Benefits can include: Free critical illness cover for your children.
Different Types of Critical Illness Cover
There are different types of critical illness cover you can choose from. These include:
![Life insurance](https://synergyfa.co.uk/wp-content/uploads/2023/12/Life-insurance-2.png)
Life insurance critical illness cover :
combines critical illness cover with a life insurance policy, meaning you benefit from both types of cover.
![](https://synergyfa.co.uk/wp-content/uploads/2023/12/Standalone-critical-illness-cover-2.png)
Standalone critical illness cover:
This type of critical illness cover only covers critical illnesses and does not include any other forms of protection such as life insurance or income protection.
![Decreasing critical illness (1)](https://synergyfa.co.uk/wp-content/uploads/2023/12/Decreasing-critical-illness-1.png)
Decreasing critical illness cover:
This type of critical illness cover pays out a lump sum if the policyholder is diagnosed with certain critical illnesses, but the amount of money paid decreases over time in line with, say, a mortgage.
![](https://synergyfa.co.uk/wp-content/uploads/2023/12/Index-linked-1.png)
Index-linked critical illness cover:
This type of critical illness cover increases in line with inflation, meaning you are protected from rises in costs.
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