Illness can occur at any time, at any age
Unlike employees, contractors are not covered by workplace insurance policies.
With Critical Illness Cover, the lump sum you receive can be used to pay off a mortgage or debts. It could also be used for monthly outgoings such as rent or utility bills to ease any financial pressures over a period of time following the diagnosis of a specified critical illness.
Critical Illness Cover differs but also compliments other protection products to provide you with a full range of protection.
Super Contractors will help you get the right policy to ensure you and your family are protected in the event of injury, illness or death.
How does it work?
Critical illness insurance provides a lump sum of money if you are diagnosed with a critical illness or disability, such as heart attacks, strokes, or cancer.
This financial support can help cover everyday expenses, mortgage payments, or medical costs, and can be used however you like.
Even if you receive state benefits or sick pay during your illness, these may not fully meet your needs. It’s important to consider how much you would need to live on and whether you require extra funds for your situation.
If you need to make a claim, keep in mind that illnesses often must reach a specific severity for the insurer to approve payment. For instance, if you are diagnosed with cancer, the insurer may only honour your claim if there is medical evidence showing that the cancer has become invasive.
This information is a summary only. You will receive a full policy document upon application. This policy will set out the terms, conditions and limitations of cover provided under the plan.
