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Critical Illness

Critical Illness cover is an insurance policy that protects you if you become critically ill during the term of the policy. 

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Critical Illness cover is usually written to protect your mortgage but can be used to protect any debt or lifestyle. 

The pay-out can be used for a range of means; to clear debts, pay off the mortgage or just cover everyday expenses. It could even pay for a funeral if nothing has been set aside for this.

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It can pay out a tax-free lump sum to the policy holder to use how they see fit – whether that’s to help cover health-related costs, monthly expenses, or lost income while you get better.

Should you be diagnosed with a serious illness that is defined within your policy details, your insurer could pay a lump sum cash payment

Ensuring the right protection for you

In an ever-aging society, more and more people are finding themselves diagnosed with critical and potentially life-threatening illnesses that can affect their ability to work and provide for themselves and their dependents or families.

An increasing number of people are being diagnosed with illnesses such as cancer and have no cover in place to ensure they can continue to pay essential bills such as a mortgage or loan and therefore can end up facing financial stresses and hardships during an already stressful and challenging time.

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Ocreas Financial get an understanding of your current income needs and make affordability calculations to ensure you get the right protection for you and your circumstances.

There are many differing conditions within these packages and certain providers will not accept certain situations. We are here to guide you through these decisions and help you better understand what you are taking on.