Halifax Critical Illness Cover

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Halifax Critical Illness Cover

Halifax offers a wide range of protection products including critical illness cover. Their plan would pay out a lump-sum cash payment if the policyholder is diagnosed with a pre-agreed medical condition during the term of the policy. If you are unable to work and have to adjust to new circumstances the policy would help you and your family cope financially.

In order to be eligible for their critical cover, you need to be a UK resident and be aged between 18 to 59 years. If you fit that criteria no medical will be required and you can get covered right away.

Details of the company

Halifax is a wide-reaching company that provides services such as loans, mortgages, insurance, investments, shared dealing and travel. The company has two types of life cover plans at its disposal, the very first being the protection for life plan which is underwritten by Scottish Widows provides a person the opportunity to cover needs under one protection plan which means just a single application is required to be filled and a single monthly payment is to be made. You also have the option of changing the type and the level of cover as and when your requirements change.

Protection for Life has four types of cover under it: life cover, life time cover, critical illness cover and income protection. Of these the critical illness cover will pay out when you are diagnosed with any of the critical illnesses specified in the plan during the entire term of the cover. The critical illness cover also provides for a children’s cover at virtually no additional cost.

Another plan includes the over 50 guaranteed life plan which is beneficial to your family when you are no longer around to help them. It is a good idea to get in touch with a professional financial consultant as soon as he or she wishes to apply for any of the plans. The financial consultant oversees the entire process from start to finish and provides valuable advice and resources at each stage of application and / or claim.

History of the company

Halifax used to be the largest building society in the country but in 2007 became a bank and is now part of the Bank of Scotland Group which is now effectively government owned after it was largely nationalised during the economic fallout. The company dates back to 1853 and was originally a place for savings and long term lending. Now the company is diverse and offers a wide range of life insurance products as well as current accounts and credit cards.

Other important insurance plans provided by the company

Under the entire gamut of services it provides, the insurance sub-link consists of different types of insurance which include home insurance, content insurance, pet insurance, landlord insurance and car insurance and healthcare insurance. The company also provides additional advisory financial services. Under its health care alternative, the company provides home accident plan, personal accident plan, and accidental death benefit plan as well as private medical insurance.

Review of the company

Halifax Healthcare Insurance has been rated a 0.3 out of 5 on link. The customer whose review was posted on the website has found it expensive and cumbersome, however as it is only a very small number of reviews they have to be taken with a pinch of salt. The company actually has a very good reputation for customer service. For further details you can check the review for yourself at link. If you have experience of the company please take the time to write a review and help other customers.