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Increasingly, Cancer, Heart Attacks and Strokes are much more likely to strike than death during our working lives, yet fewer people ensure that funds are available if this happens. Let us explain the advantages and types of critical illness cover available, particularly as they can vary enormously in conditions covered as well as their cost.
What is Critical Illness Insurance?
Critical Illness Insurance is designed to pay you the benefit while you are still alive. Sometimes referred to as "Living Assurance", it pays a capital sum or a tax-free monthly income on diagnosis of a defined Critical Illness, usually with the proviso that, following diagnosis, the individual survives for at least 21 days.
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Cancer |
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Stroke |
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Heart-Attack |
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Loss of Sight, Hearing or Speech |
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Aids or HIV from Assault |
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Aids or HIV from Occupation |
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Aids or HIV from a Blood Transfusion |
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Alzheimers and Pre-senile Dementia |
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Aorta Graft Surgery |
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Aplastic Anaemia |
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Bacterial Meningitis |
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Benign Brain Tumor |
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Blindness |
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Cardiomyopathy |
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Chronic Rheumatoid Arthritis |
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Coma |
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Coronary Angioplasy |
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Coronary Artery by-pass Surgery |
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Creutzfeldt-Jakob Disease |
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Deafness |
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Heart Valve Replacement or Repair |
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Insulin Dependent Diabetes |
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Kidney Failure |
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Liver Failure |
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Loss of Independent Existence |
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Loss of Limbs |
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Loss of Speech |
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Major Organ Transplant |
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Motor Neurone Disease |
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Miltiple Sclerosis |
What are the Risks?
The disturbing facts are 1 in every 4 healthy people aged between 40 and 60 will contact a critical illness before age 65 years and 1 in every 16 people in the same band die during this period. Thankfully, however, as a result of advances in medical technology more people these days survive a critical illness for a number of years which is when a substantial cash sum is appreciated to alleviate the financial stress or worry arising from every difficult situation.
Premier Healthcare Management specialise in private and corporate medical healthcare insurance for the UK, Europe & worldwide. FREEPHONE 0800 7833311
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