Health insurance covers your medical treatments and hospital care, but critical illness insurance goes a step further by providing a cash lump sum to support you during recovery. It’s there to ease the financial burden and can be used however you wish so you can focus on what truly matters - getting better.

Having your employer pay for your critical illness cover might seem like a great deal, but it’s worth knowing that these policies are often quite basic. By getting your own policy, you can access much more comprehensive cover, giving you a better chance of receiving support if you’re diagnosed with a serious illness. It’s a small step that can make a big difference for you and your loved ones when it matters most.

The criteria for claiming critical illness cover can vary significantly between providers. While many reputable companies offer highly comprehensive policies, there are also providers whose coverage leaves much to be desired. At Mortgaged., we utilise CI Expert, an advanced tool that compares the definitions and quality of critical illness plans side by side. This allows us to make well-informed recommendations, ensuring you receive the best possible cover tailored to your needs and circumstances.