Why might you need Critical Illness Cover?
No-one wants to think about getting seriously ill, but life after a diagnosis can often change dramatically – with both a personal and financial cost.
Choosing the optional critical illness cover with your Post Office Life Insurance policy could give you extra peace of mind.
The extra cash sum could help towards your mortgage, unexpected medical bills, or changes to your home. Something to fall back on if you were diagnosed with one of the serious conditions below.
Why choose our Critical Illness Cover?
When you purchase our Life Insurance you can:
- Pay a bit more each month for added reassurance to cover yourself for; cancer – excluding less advanced cases; coronary artery by-pass grafts – with surgery to divide the breastbone; heart attack – of specified severity; or stroke – resulting in permanent symptoms
- Get extra cover from minimum £10,000 to a maximum of up to £200,000 or no more than 100% of your life cover cash sum if you're diagnosed with a critical illness that meets our definition.
- Instant decision and immediate cover available when you purchase life insurance to put extra financial support in place, so you can focus on getting better, instead of worrying about the finances.
For full definitions and details about what is covered and what is not covered, Please refer to the terms & conditions.
Why choose our children’s cover?
It’s hard enough thinking about what life would be like if you were diagnosed with a critical illness yourself, let alone imagining your child falling seriously ill. Children’s cover can be added to your Post Office Life Insurance policy, for a little extra each month. It's designed to help cover extra costs that may be incurred for things like medical expenses, taking time off to attend hospital appointments and arranging childcare or making adaptations to your home, if your insured child suffers a specified injury or illness that meets our definition.
The children’s cover amount are available from £10,000 up to £30,000 and will be paid if, whilst covered under the policy, the insured child:
- dies within 90 days of an accident which occurred after the policy start date, or
- suffers one of the following injuries or illnesses:
- bacterial meningitis – resulting in permanent symptoms;
- blindness – permanent and irreversible;
- cancer – excluding less advanced cases;
- deafness – permanent and irreversible;
- encephalitis – resulting in permanent symptoms;
- loss of hands or feet – permanent physical severance;
- paralysis – total and irreversible; or
- traumatic head injury – resulting in permanent symptoms
For full definitions and details about what is covered and what is not covered, Please refer to terms & conditions.