Charity insurance quotes tailored to your organisation's needs
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Critical illness cover is designed to provide financial protection upon diagnosis of a specific illness, medical condition or disability specified within the policy. In the event of a claim, a critical illness insurance policy will provide a tax-free lump sum (defined at the outset) to the policyholder who can then use these funds as they wish.
In light of the circumstances, the money received from critical illness cover is typically used to supplement income, pay off outstanding debts, cover financial outgoings or pay for any alterations needed to your home (wheelchair access, for example). A policy will only usually pay out once in the event of a claim during the term and then cease.
Most insurers offer critical illness cover on a set term basis for a specified number of years. Providers will calculate a monthly premium for the amount of cover (sum assured) and term you require based on; Age, Gender, Health and medical record, Lifestyle (alcohol consumption, smoker/non-smoker) and Occupation (some are considered more dangerous than others)
Why take out Critical Illness Cover?
Mortgage: How will your Mortgage be paid in the event of you suffering a critical illness. If your family would be left unable to pay the mortgage your home could be repossessed.
Your current cover: Are your existing provisions, from my employer, the government and savings, sufficient to cover my financial obligations for an indefinite period? If not you may need extra cover.
Your family: Would my dependents/family be able to look after themselves if I was incapacitated due to illness or would they need support? Not just your mortgage but to cover everyday bills and living expenses.
Standard Covers
Optional Covers
Expert advice from Prima Insurance Brokers
With several years of experience and expertise across the not-for-profit, charity and education sectors. Clients can count on us as their in-house insurance advisers since we take the time to understand their organisation in depth creating a strong, trusting partnership.
We know the charity sector has a wide range of special risks, which can often be confusing. By drawing on our experience and knowledge, we can guide you through every challenge and complexity - from legal requirements to operational set up.
Benefits
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