Critical Illness Insurance

Why choose Howden for critical illness insurance?

As an insurance broker, we at Howden pride ourselves on doing the heavy lifting, so you don’t have to. Thanks to the great relationships we have with our selected panel of insurers, we make the process of comparing multiple critical illness insurance policies, on your behalf, simple and straightforward.

Our team also know that each policy needs to be as individual as its owner, and that’s why we provide a personalised service, focused on getting to know you and family, whilst also finding out exactly what you want from your insurance.

Ultimately, just know that whether you need to make a claim, purchase a new policy, or renew an existing one, we’re here to help.

Benefits of working with Howden:

• We’re driven to save you time, money, and hassle.
• Benefit from a tailored service that comparison sites can’t provide.
• Speak to your local broker, within your community.
• We’re right by your side in the event of a claim.

What’s covered by critical illness insurance?

Unlike life insurance, which only pays on your death, critical illness insurance is designed to pay you a lump sum or income should you be diagnosed with or need to undergo surgery for a life threatening or debilitating condition. This payment can then be spent to cover the costs of treatments or bills you may have. Critical illness insurance is designed to allow you and your family to focus on recovery, rather than worrying about bill payments and outgoings.

Cover can be taken on a full lump sum pay-out basis or on the premise of a ‘pot’ of cover that will pay out a percentage of the pot at different stages of illnesses and treatments. This new concept can provide cover for clients with pre-existing illnesses who in the past would have been declined for cover. In the case of pre-existing illnesses some exclusions to cover will apply.

It’s important to remember though that there are lots of policies available from various insurers all with different terms and conditions. They will only provide cover for critical illnesses defined in their policy, so it’s important that you seek professional advice before purchasing your insurance.

Here at Howden, our team have vast experience with providing critical illness insurance support to those who need it. Contact us, and we can get you access to our leading insurers who can help find you the right policy for you and your family.