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Since 2006 we have helped 342,312 people compare Protection Insurance quotes.
We would love to do the same for you...

How can you make sure your critical illness insurance definitely pays out?

At this time when we all need to ensure every single product or service we invest in gives us some kind of return, you might well be poring over any critical illness cover you already have, or looking at a possible new policy, and scrutinising whether the given policy is actually likely to protect you.

Sadly, scepticism as to whether protection insurance can be counted on to pay out in the event of the policyholder needing to make a claim, isn’t something that has only become a problem with the onset of the cost-of-living crisis. There has long been a fear among many consumers that insurers will ‘do whatever they can to avoid paying out’.

The good news is that a lot of this mistrust is ill-founded, especially these days; in fact, insurers routinely publish their claim payout records, with the data from recent years indicating that critical illness insurance payouts have continued to hover at about 90% or higher.

Still, you might remain anxious to make sure your critical illness cover definitely will pay out if you end up requiring it in your greatest hour of need. So, let’s take a look at how you can ensure precisely that.

Introducing critical illness insurance - and the illnesses it can cover

Let’s go back to the beginning. Critical illness cover, also known as critical illness insurance, works on the basis of providing the policyholder with a single tax-free lump sum in the event of them suffering from a serious illness such as cancer, or a permanent disability arising from injury.

The financial payout, in turn, can be used as the policyholder wishes - it could go towards such things as medical treatment or rehabilitation costs, for example, or even just general everyday expenses. There are no rules dictating how the payout is spent.

The first step of ensuring your critical illness insurance policy pays out, however, will be ensuring the terms and conditions of the policy you purchase make this possible.

One of the most important things to know about critical illness insurance is that it covers the policyholder for certain specific conditions, which will be listed in the policy. So, if you suffer from a condition that is not listed in the policy terms, you can’t expect to receive any payout in relation to this.

The exact illnesses that a given policy covers you for will depend on the specific policy and insurer. Broadly speaking, you should expect any critical illness insurance you look at to cover you for cancer, heart attack, and stroke. When poring over the relevant insurance documents, you should keep an eye out for any exclusions.

What is the process of making a claim on a critical illness insurance policy?

The claims process for a critical illness insurance policy typically works as follows: when the policyholder is diagnosed with a condition that they know their critical illness insurance policy covers, they need to get in touch with their insurer to inform them of this.

The insurance company might request further proof of the illness in its processing of the claim, such as a diagnosis from a doctor who specialises in the given illness, or the insurer might ask for tests to be carried out to show support for the diagnosis. For example, in the case of a cancer diagnosis, a biopsy may be needed.

Hopefully, the above will have given you some reassurance about the likelihood of your claim paying out, in the hopefully unlikely event of you being diagnosed with a serious illness in the first place.

Don’t forget that if you have any other questions or concerns about critical illness cover that you would like to discuss, you are always welcome to call our free no-obligation advice and quotation line! Simply call 0800 316 6917 today to speak to a friendly and informed UK adviser.

Personal Service

We have tracked down the very best protection insurance advisers in the UK to ensure you have access to best advice and the best products from the leading insurers.

Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.

Get Insured within 20 Minutes

It is possible to be protected with a life insurance or critical illness policy within 20 minutes provided the insurer does not require a GP report or medical.

A GP report or medical is normally required for large amounts of cover (over £400,000), or if your BMI is over 30, or you have any significant ongoing or past medical issues, or if you are involved in dangerous job or high risk hobby.

Calculate Your Cover

Find out how much cover you might need by using our simple online calculator. It will take into account your outstanding mortgage, any loans or credit cards, your monthly income and how many children you have.

Ultimately the right amount of cover is often a balance between what might be an ideal figure and what you can sensibly afford.

Calculate your cover here

Personal Service

We have tracked down the very best protection insurance advisers in the UK to ensure you have access to best advice and the best products from the leading insurers.

Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.

Read What Our Customers Think of Us

Five Stars (4.9)

Great communication, help and guidance.

All my questions were answered, as I know little on how life cover, critical illness and terminal insurance policies work.

I was given good independent advise, so I could confidently make my choice on what was right for me.

- Denise

Clear, friendly, efficient and prompt service.

No nonsense, no jargon, just clear and informative guidance. Very quick with results which did not disappoint. Delighted with my deal which was a third cheaper than my own bank offered me and I didn’t do any of the legwork. More than happy to recommend.

- Ms Shannon

I found the customer service representative very polite and informative and helpful.

I wished some information on life insurance for a mortgage I have applied for.

All in all the process was very useful and informative and the representative was very helpful and polite. I would recommend this online service to anyone who is looking for life cover.

- Mrs Severn

Very good professional service.

I was impressed by the quality of service by the advisor who dealt with my request. He has carefully listened to my requirements, asked a few relevant questions and has provided me with the option which suited my needs in the best possible way. I have really admired his flexible approach and fantastic customer skills.

- Mrs Cookson

Professional and no-nonsense approach.

Very thorough yet friendly service. Good contact and information one can understand.

- Heather Cronley

A professional customer centric company with the client at the heart of the transaction.

The advisor put me at the heart of the transaction, was professional, gave realistic opinions and suggestions offering me choices in clear terms which I understood.

- Andrew Hughes

Outstanding service and knowledgeable customer service rep.

I received a call as promised in my email. Marie Bedding was very knowledgeable in her subject matter, she took some basic details and was very polite and courteous in her manner.

Marie was very sensitive when discussing personal circumstances and listened carefully and showed compassion to my details. Marie then said ‘leave it with me and ill get back to you’, within 20 minutes Marie was back on the phone with the quotes as promised and gave me a selection of options to chose from.

Marie did not pressure me with the ‘Hard Sell’, I needed time to discuss the options with my partner, Marie kindly emailed me all the details and left it in my hands to contact her once I had made a decision and if I would like to go ahead with the policy.

I cannot fault this service and the professionalism I received.

- N Marsden

Excellent Service.

Great service, easy to understand terminology. Everything explained and documented by adviser. Thank you.

- Glenda

The quotation service is provided by an FCA-authorised insurance specialist

Promoted Premiums for 35 year old male (non-smoker) on a 25 year term - September 2022*
Life Insurance: £5/month = £65,371 sum insured
Critical Illness Cover: £10/month = £27,546 sum insured
Combined Life & Critical Illness Cover: £10/month = £25,230 sum insured

 

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