Serious illness insurance. Serious illness insurance pays you a tax-free lump sum if you are diagnosed with one of the specific illnesses or disabilities that your policy covers. It is also sometimes called ‘critical illness cover‘.
Personally i think it’s a must have for all families.
The average time it takes to get over a serious illness is two years,Can you afford to keep
Your family going for two years without your salary??
Serious illness is a lot cheaper than people think,Feel free to contact me for a quote on darragh.farrell@yes.ie or 016339245.
Below is a list of some of the Illness covered by the top 3 Providers:
- Aplastic anaemia – of specified severity
- Bacterial meningitis – resulting in permanent symptoms
- Benign Brain Tumour – resulting in permanent symptoms, surgery or radiosurgery
- Benign spinal cord tumour or cyst – resulting in permanent symptoms or requiring surgery
- Blindness – permanent and irreversible
- Brain injury due to anoxia or hypoxia – resulting in permanent symptoms
- Cancer – excluding less advanced cases
- Cardiac arrest – with insertion of a defibrillator
- Cardiomyopathy – resulting in a marked loss of ability to do physical activity
- Chronic Pancreatitis – of specified severity
- Coma – with associated permanent symptoms
- Coronary artery by-pass grafts
- Creutzfeldt-Jakob disease – resulting in permanent symptoms
- Crohn’s disease – of specified severity
- Deafness – total, permanent and irreversible
- Dementia – resulting in permanent symptoms
- Encephalitis – resulting in permanent symptoms
- Heart attack – definite diagnosis
- Heart-valve replacement or repair
- Heart structural repair
- HIV infection – caught in the European Union, Norway, Switzerland, North America, Canada, Australia and New Zealand, from a blood transfusion, a physical assault or at work in the course of performing normal duties of employment
- Intensive Care – requiring mechanical ventilation for 10 consecutive days
- Kidney failure – requiring permanent dialysis
- Liver failure – irreversible and end stage
- Loss of independence – permanent and irreversible
- Loss of one limb – permanent physical severance
- Loss of speech – permanent and irreversible
- Major organ transplant – specified organs from another donor
- Motor neurone disease – resulting in permanent symptoms
- Multiple sclerosis or Neuromyelitis optica (Devic’s Disease) – with past or present symptoms
- Paralysis of one limb – total and irreversible
- Parkinson’s disease (idiopathic) – resulting in permanent symptoms
- Parkinsonian Plus Syndromes – resulting in permanent symptoms
- Peripheral Vascular Disease – with bypass surgery
- Pneumonectomy – the removal of a complete lung
- Pulmonary Arterial Hypertension (idiopathic) – of specified severity
- Pulmonary Artery Graft Surgery
- Respiratory Failure of specified severity
- Third Degree Burns of specified surface area
- Spinal stroke – resulting in permanent symptoms
- Stroke – of specified severity
- Systemic lupus erythematosus – of specified severity
- Traumatic head injury – resulting in permanent symptoms