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Critical illness cover

When you buy Churchill’s Life Insurance provided by AIG, you can choose to add critical illness cover, called Critical 3, for an extra cost. With Critical 3, you’ll be insured for three specific conditions, in addition to your life insurance.

These three conditions are:

  • Cancer - excluding less advanced cases

  • Heart attack – of specified severity

  • Stroke – of specified severity

Not every illness or condition is included within Critical 3. For example, not all types of cancer are covered.

Common critical illnesses such as cancer, heart attacks and stroke can come without warning. They can seriously impact your quality of life and might prevent you from working.

If you're eligible to claim, Critical 3 could pay out your chosen amount of cover if you’re diagnosed with a specified critical illness during the length of the policy.

If the unexpected happens, you could use the money to help cover medical expenses, pay your mortgage or to help your family through a difficult time.

Critical illness cover isn’t the same as terminal illness cover. Terminal illness cover only pays out if you’re diagnosed with a terminal illness and have a life expectancy of 12 months or less. Critical 3 may pay out regardless of your life expectancy, provided you survive 14 days after diagnosis.

If a Critical 3 claim is successful, the Critical 3 insurance will end. The life insurance element will remain and a claim can be made for death or terminal illness should either happen within the length of the policy.

Read the Life insurance - key facts document for more information.