top of page
Image by National Cancer Institute

Critical Illness Cover 

What is Critical Illness Cover

When life takes an unexpected turn due to a critical illness, financial worries shouldn't be adding to your stress. Critical Illness Cover is designed to offer you financial relief during these trying times. With a tax-free lump sum payment, you can focus on recovery and adapting to life post-diagnosis without worrying over expenses like treatment costs, mortgage, or necessary modifications to your home.

Key Features


Scope of Coverage
From heart attacks and strokes to specific cancers, conditions like multiple sclerosis, Parkinson's disease, and major organ transplants - our policy has an extensive list of covered critical illnesses.


One-Time Payment
Upon diagnosis of a covered condition, you'll receive a one-off, tax-free payout. Once the policy pays out, it concludes.


Child Protection
Some policies offer a lesser payout if one of your children is diagnosed with a specified condition, ensuring the whole family is protected.


Permanent Disabilities
Many of our policies consider permanent disabilities resulting from an injury or illness valid for a payout.

Exclusions to Consider

While policies covers an array of critical conditions, there are exceptions. Non-invasive cancers, hypertension, and specific injuries, among others, might not qualify. It's crucial to understand the specifics and severity required for a claim.

Our dedicated consultants at Envoy Financial are available to clarify and guide you through the intricacies of coverage.

Factors Influencing Home Insurance Premiums...

Your monthly premium can be influenced by:

- Your age

- Smoking habits

- Current health, weight, and family medical history

- Occupation risk levels

- The extent of coverage you opt for

Remember:  You might face exclusions or higher premiums if you're prone to a specific condition due to pre-existing health factors. 

Reviewable vs. Guaranteed Premiums

Reviewable Premium

Typically reassessed every five years, these premiums are likely to change, usually increasing over time.

Guaranteed Premium

Stay constant throughout the policy term. They might seem costlier initially, but many cherish their predictability and long-term security.

At Envoy, we're by your side to ensure you have the necessary insurance to protect your property and precious valuables. Choose Envoy to act on your behalf and secure the best deal.

Advice You Can Trust

When you partner with Envoy Financial, you're not just getting an insurance policy - you're acquiring peace of mind. We're dedicated to ensuring you understand the depth and details of your coverage. Our experts are on hand to assist you in comparing and selecting the best policy customized to your needs.

Life is unpredictable. But with Critical Illness Cover from Envoy Financial, you can be prepared for whatever comes your way. Secure your financial peace and focus on what truly matters - your health and well-being.

Envoy Financial: Protection, support, and peace of mind for life's unforeseen challenges.

Reach out to our mortgage and protection consultants today!

I can't recommend envoy financial enough. When buying our first home Ross was amazing. Ross was patient and understanding. He was there to answer all our question morning and night. 

Sophie Borthwick


I entered this new life chapter with completely zero knowledge of how I wanted to proceed, one thing I did know was that I wanted to buy my first home. I was recommended Ross by a close friend.

Abby Todd


Couldn't give any higher praise to Envoy for their help in securing me a mortgage for my first home. Ross was absolutely brilliant and by far the most helpful and honest person along my house buying journey.

Liam Hopkins

bottom of page