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Life & Medical Insurance

Full Information Around Life and Medical Insurance Options

Life and medical insurance policies help to protect your property and assets should your income be impacted by medical conditions or death. With so many policies available it can be difficult to know which one is right for you. In our expert guides, we’re covering the various types of cover to help you make an informed decision. From critical illness cover and life assurance to income protection, find out more about life insurance and medical bill coverage in our guides.

Posted On: November 25, 2021

What Illnesses Are Covered By Critical Illness Insurance?

Critical illness insurance covers the more serious conditions that can have life-changing implications and restrict your ability to earn an income. You receive a pre-agreed lump sum that is tax-free, which can help you cover living costs or the cost of treatment. The conditions and illnesses covered can vary significantly between different insurers, with some covering over 50 conditions and other policies being more limited with their coverage.

That’s why it’s important to know exactly what illnesses you want to be covered for, and that your cover is enough. Critical illness insurance is an especially important consideration if you have any responsibility and financial commitments. If you have children and are paying a mortgage, for instance, knowing that a critical illness diagnosis wouldn’t put you in risk of mounting debts can be a lifeline.

Obviously, money won’t necessarily fix your illness, but it will allow you to spend money on the essential support and treatment you need and to keep up on your life admin payments, such as a mortgage, rent and groceries. In other words, it will allow you to dedicate your time, money and energy to your recovery or having a better quality of life, rather than stressing out about potentially losing your home or not being able to get some essential treatment that could make all the difference.

What specific illnesses are covered by critical illness insurance?

As mentioned above, not all critical illness policies are created equal. That’s why it’s important to check through any potential policies with a fine-tooth comb to ensure you have sufficient cover for a range of potential illnesses. You can always instruct the help of an insurance broker who will be able to advise and help you find the right type of critical illness policy for you.

Examples of illnesses covered:

  • Stroke
  • Heart attack
  • Certain types and stages of cancer
  • Conditions such as multiple sclerosis
  • Major organ transplant
  • Parkinson’s disease
  • Alzheimer’s disease
  • Multiple sclerosis
  • Traumatic head injury
  • Permanent disabilities as a result of injury or illness

Speak to Agentis today to get your critical illness cover

Agentis can cover a wide range of critical illnesses with their insurance providers and offer individual or joint cover for you and your partner. Speak to us today to get your free, initial consultation.