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A serious illness can have a life-changing impact — not just on your health, but on your finances, your family, and your future. Critical Illness Cover is designed to provide a tax-free lump sum if you’re diagnosed with a specified serious illness during the term of your policy.
At Park Hill Financial, we help you find a comprehensive and reliable policy tailored to your health profile, financial needs, and personal circumstances — so that you and your family are protected when it matters most.
Critical Illness Insurance pays out a one-off, tax-free cash lump sum if you’re diagnosed with a serious medical condition covered under the policy. The payout can be used to:
This cover ensures you’re financially secure at a time when you’re likely unable to work — giving you time and space to focus on your recovery.
Coverage varies between insurers, which is why independent advice is essential. Most critical illness policies cover core conditions such as:
Some policies include additional cover for less common conditions, early-stage cancer, or even coverage for children.
Many people choose to combine critical illness cover with life insurance. This provides broader protection under a single policy — with a lump sum paid out either on diagnosis of a critical illness or in the event of death (whichever comes first). This type of policy can offer better value and added peace of mind.
Not all critical illness policies are equal. Definitions, exclusions, and the number of conditions covered vary dramatically between insurers. We:
As independent brokers, we always act in your best interest — not the insurer’s.