Is Serious illness cover important??

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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 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