Critical Illness Insurance

Critical illness insurance plans pay out a lump sum if you are diagnosed with a critical illness. We all think it won’t happen to us, but should the worst happen – make sure your loved ones are financially secure. Get in touch with Basik Money to see how we can help.

Protect your loved ones future, by insuring yours today

Basik Money is a critical illness broker, we are not an insurance provider. We understand that every individual has different circumstances and requirements should the worst happen. Get in touch with Basik Money today to find out how we can help you.

What Is Critical Illness Insurance?

Critical Illness insurance is a long term insurance policy that covers serious illnesses listed within your policy. If you are diagnosed with one of these illnesses, you will receive a one off tax free payment. This pay out can help pay for your mortgage, rent, debts or adjustments to your home. Protect you and your family financially by securing a critical illness insurance policy today. When you decide on a policy that fits your requirements, you can decide how long you want it to last, whether its until your mortgage is paid off, your children grow up or a specific date or age.

How Much Cover Do I Need?

There is no specific way to work out the appropriate level of cover for you, it all depends on what you want to cover and the length of time you want to be covered. Traditionally, many critical illness plans will pay out the full amount regardless of how serious your illness actually is. Some insurance providers offer a severity based covered, this means that the payout is based on how serious your illness is. A good starting point is to work out how much you would lose if you were not able to work due to illness, also take in to account any financial commitments you would have to your family, such as your mortgage or child care.

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Should I Get Cover?

We should all seriously consider a critical illness policy, although the benefit of the payout will vary from person to person. If you and your family are dependant on your salary, it is the perfect protection you need to ensure your family is financial secure should anything happen. Please note that you will be required to give some personal details about your medical history in order to get a critical illness insurance quote.

What Illnesses Are Covered?

The illnesses covered will vary depending on your insurer and your policy, it is essential that you carefully read the details of your entire policy before you agree to the policy. Most policies will cover illnesses such as certain types of cancer, heart attacks and strokes – some policies may include additional add on illnesses. Other conditions that could be classed as critical illnesses include; major organ transplants, Parkinson’s disease, deafness or traumatic head injuries. So make sure you fully understand what’s covered and what isn’t.

Why choose Basik Money?

At Basik Money it’s all in the name: we make finding the right financial solution simple, easy and effective. Basik Money take great pride in being directly authorised and regulated by the Financial Conduct Authority. Which means that we adhere to the highest standards of advice for our clients. Our approach is transparent and simple – if you’re not accepted for a solution, there’s nothing to pay.

WHY CHOOSE BASIK MONEY?

  • FCA Regulated

    We are fully authorised and regulated by the FCA, meaning we’re a trustworthy provider of financial services.

  • Industry Experts

    Our fully qualified advisers will explain everything to you in terms that you understand, ensuring that you have the best chance of acceptance for the finance option that is right for you.

  • WHOLE OF MARKET APPROACH

    At Basik Money, we search the entire market to find only best lending, insurance or debt options available to you.

  • EXCELLENT CUSTOMER FEEDBACK

    Don’t just take our word for it, read our customer reviews on TrustPilot.

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