Joint Critical Illness

Joint Critical illness will pay you a tax free lump sum on diagnosis of any one of a wide range of specified illnesses.

So how does Joint Critical Illness help with this problem? Your Joint Critical Illness will pay out a lump sum when you are diagnosed with one of a list of specified conditions, such as certain types of cancer, heart attack & stroke to name but a few. This would allow you to pay off your mortgage or provide you with a pot to continue making repayments whilst you are ill. At the same time that pot could also be used for specialist private medical treatment to help you back to full health as fast as possible.

Joint critical illness should not be confused with private medical insurance which one can use to pay the costs of medical treatment by a private doctor or specialist. Similarly this form of insurance is different to income protection insurance which will pay you a monthly amount once you have been declared unfit for work for an agreed period of time.

Joint critical illness plans can vary greatly in the level of protection they cover. A basic plan covers the most serious conditions, but a comprehensive plan covers many more including loss of sight, total permanent disability and hearing loss.

Diagnosis of such an illness would be a major trauma in your life, but you would still have to meet your financial commitments, could joint critical illness be your saviour?


"A great price with all the benefits I need for my family"

Paul Marshall, Birmingham

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