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Critical Illness Cover

Maintain your financial stability if unable to work due to a critical illness
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financial support should you face severe health issues

Critical illness cover is a type of insurance policy that provides a lump-sum payment to the policyholder in the event they are diagnosed with a specified critical illness or medical condition. This coverage is designed to offer financial support when individuals are faced with severe health issues that can result in substantial medical expenses and a disruption in their ability to work.

What is critical illness cover?

Critical illness cover typically lists a set of specific medical conditions or illnesses that are covered by the policy.

Commonly covered conditions may include cancer, heart attack, stroke, organ failure), multiple sclerosis, and major organ transplants. It can also cover children’s critical illness and give parents peace of mind that their loved ones have protection.

We have an intelligent system that can predict the risk of a critical illness illness happening, to help you decide if critical illness cover is right for you:

Example: A Person Born in 1993, looking for a 30-year term was suggested to have a:

  • 1 in 10 chance of passing away in the next 30 years
  • 1 in 5 chance of suffering a serious illness
  • 1 in 2 chance of being off work sick for 2+ months within the next 30 years
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Critical Illness Cover

Who could benefit from A critical illness policy?

Critical illness cover may be beneficial for the following individuals:

Primary Income Earners

Individuals who are the primary financial providers for their families may find critical illness cover particularly important, as their inability to work could have a significant impact on their family's financial well-being.

Parents & Care Givers

Parents and card givers often consider life insurance to ensure their children's financial well-being, including funding their education, covering daily expenses, and providing for their future needs.

Self-Employed and Business Owners

Self-employed individuals and business owners who do not have access to employee benefits like sick pay may choose critical illness cover to protect their income and maintain their business operations.

Mortgage Holders

Individuals with mortgages or other significant financial obligations may consider critical illness cover to help ensure that they can meet their housing and debt payment obligations in the event of illness.

Individuals at Higher Risk

Individuals who are at a higher risk of developing specific critical illnesses, based on their family history, lifestyle, or occupation, may find critical illness cover to be a prudent financial decision.

It’s important to note that policies may have exclusions for pre-existing conditions and may not cover certain illnesses in the early stages. Waiting periods may also apply before benefits are paid.

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Speak to our trusted insurance advisors

Windsor Hill works closely with individuals to advise on all critical illness cover options to help you make informed decisions based on individual needs and circumstances.

Speak to one of our expert team members today to help you with your critical illness cover requirements at 01225 962 456 or email info@windsorhillmortgages.co.uk

With Windsor Hill Mortgages, the path to property insurance is clear and straightforward, transforming what could be overwhelming into a smooth, informed process.

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IMPARTIAL FINANCIAL ADVICE

Whether you are looking for building insurance or life cover for peace of mind for you and your family, our team are here to offer practical guidance. 

 Our experienced financial, insurance and mortgage advisors take real pride in offering impartial advice, so you’ll have the peace of mind that your best interests are at the heart of everything we do. 

 Based in Bath, we enjoy getting to know our clients and listening to their requirements to ensure we provide the right financial solutions every time. 
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