Critical Illness for Medical Professionals

Good health is something that we all hope to enjoy all our lives. Unfortunately, with unhealthy dietary habits, viruses and genetic disorders, it is likely that, at some point, many of us will suffer from a critical illness such as cancer or a stroke.

What is Critical Illness Cover?

A critical illness plan pays a tax free lump sum if you are diagnosed with a specified medical condition or become totally and permanently disabled during the term of the policy. It should not be confused with income protection which pays out an income stream if you are unable to work through sickness or illness.

Why Take Out Critical Illness Cover?

For individuals and families, a time of critical illness is one of great stress and worry. Not only is there the concern for the individual affected by the illness, there is also the financial impact the illness will have. 

For most people diagnosed with a critical illness, work becomes difficult or impossible. They may become house bound or have to stay in hospital and, to take care of them, loved ones and partners may themselves not be able to work.

By cushioning yourself against the impact of a critical illness, you will be relieving the financial pressures as a consequence of this illness and allow yourself to make a fuller physical recovery.

Critical Illness Cover with Legal & Medical

There are numerous providers that offer critical illness cover. At Legal & Medical, we will find the most comprehensive cover that protects you not only on the core conditions but also on your ability to perform your own occupation. For example, most providers only cover loss of limbs if its two or more above the wrists or ankles. As a doctor or dentist, you require your hands to work and such a policy would therefore be inadequate.

To find out how Legal & Medical can help you ensure you have the right critical illness cover for your occupation at the right price, contact us today or email This e-mail address is being protected from spambots. You need JavaScript enabled to view it