With the advances in medical science, it is now quite usual for patients to live through a critical illness, which just a few years ago would have killed them. Whilst these medical advances are most welcome, the ‘downside’ of someone living instead of dying, when the life policies would have paid out, is the financial pressure that is often placed on the remainder of their family.

Critical Illness Cover is just that, if you are diagnosed as suffering from any of the following critical illnesses and survive for a short period of time, usually, circa, 30-90 days, the CIC provider would pay out the Sum Assured.

Core Cover:

The Association of British Insurers (ABI) require that all providers that offer Critical Illness protection, cover the same 7 'core' critical illnesses which are:-

Cancer - Coronary Artery Disease Surgery - Heart Attack - Major Organ Transplant -
Paralysis -  Renal Failure - Stroke

However, many providers allow you, at an additional cost, to include other critical illnesses in their product, these include:-

Alzheimer's - Diabetes - Loss of independent existence - Angioplasty - Aorta Graft Surgery -
Aplastic Anaemia - Bacterial Meningitis - Benign Brain Tumour - Burns - CJD - Coma - Heart Valve Repair - Heart Valve Replacement - HIV/AIDS through accidental exposure or physical assault - HIV/AIDS through blood transfusion - Liver Failure - Loss of hearing - Loss of limbs - Loss of sight - Loss of speech - Lung Disease - Motor Neurone Disease - Multiple Sclerosis - Parkinson's Disease - Pre-senile Dementia - Rheumatoid Arthritis - Terminal Illness and total permanent disability

Accord will analyse your protection needs with you, assess the cost efficiency of any existing provision, then make a written recommendation on how best to provide the cover you require to protect yourself and those close to you.