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If Critical Illness Insurance is not the type of cover you need, please check the list below to see what other health insurance products you may require to meet your needs.
Private Medical Insurance
Pays for consultations, tests and operations in a private room without the need for waiting. You can choose which consultant, where you wish to be treated and most importantly treatment can be carried out within days. Plans are sold on a 12 month contract and can be paid monthly, quarterly or annually, usually by direct debit, credit card or cheque. You can reduce the premiums by having an excess which means you pay the first £100 or more of any claim. Cover can be for Single, Single Parent, Married or Couples and Family. Premiums will increase every year in line with medical inflation and with age at varying intervals.
Critical Illness
Pays a tax free lump sum of e.g. £25,000 14 days after any one of up to 24 conditions have been diagnosed, such as Cancer, Heart Attack, Stroke & Organ Failure. The money can be used however you like, to pay off any mortgage or debts, to pay for home help, adaptations to your vehicle, modifications to your home, or simply go on a 'round the world' holiday. In fact whatever you desire.
Go to Critical Illness Insurance
(Regulated by The Financial Services Authority)
Income Protection
Particularly important for the self employed. State incapacity benefit in the UK is only £60.20 per week. Income Protection will pay you a wage of up to 65% of your gross income if you are unable to work due to accident or sickness. Premiums are calculated on your occupation classification and how soon you want benefits to pay out. Benefits stop when you are medically fit to return to work or continue indexed linked until your retirement age.
(Regulated by The Financial Services Authority)
Health trust Fund
This is an exciting new package set to take UK companies and groups by storm. A trust Fund replaces the conventional insurance scheme and the trust funds remain your own to be managed for the benefit of your employees or members. For example, there is no Insurance Premium Tax as this is not insurance. It takes advantage of UK trust fund laws to permit low cost cover, no age loading, comprehensive hospital access, no excesses and no automatic premium increases every year.
The result is comprehensive healthcare cover at a fraction of the cost of insurance company premiums. To learn how you could slash your company health insurance bills, visit our web site.
(Not regulated by The Financial Services Authority)
Ex-Pat Insurance
Essential protection for anyone working or living in another country or countries for an extended period. Plans normally have to be paid annually in advance and cover can be scaled according to budget. The only exception is American & Canadian Citizens living and/or working in the USA or Canada. If you are a Canadian or American living in your home country, please use www.Critical Illness.co.uk health.us.
(Not regulated by The Financial Services Authority)
travel Insurance
Available for short trips and extended stays. travel insurance is vital in case of medical emergency and/or in the event of loss or mugging.
(Regulated by The Financial Services Authority)
How Much Cover
do I Need?
