Oliver Hartnack

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CONTACT US

07904 800 962

EMAIL US

oliver@ohmortgages.co.uk

GETTING THE COVER YOU DESERVE IS OUR PRIORITY

CRITICAL ILLNESS COVER

Critical Illness Cover can be the difference between financial stability and uncertainty in the face of a serious illness. At OH Mortgages, we believe that everyone should have access to affordable insurance coverage to protect themselves and their loved ones long-term.

Our team can guide you through the process of selecting and obtaining the right critical illness cover for your situation. We work with a variety of trusted insurance providers to offer you a range of options and competitive rates. Don’t leave your future to chance, contact us today to learn more about how we can help you secure your financial stability in the event of critical illness.

LET US HELP YOU FIND THE RIGHT CRITICAL ILLNESS PLAN FOR YOU

At OH Mortgages, we recognise that selecting the right critical illness plan can be a daunting task, but it is an essential step to protect your financial stability long-term. Our team are committed to simplifying the process and providing personalised guidance to help you find the best plan to meet your unique needs.

To achieve this, we follow a inclusive approach that involves understanding your situation, assessing the available options, and recommending the best course of action. From here, we’ll offer personalised guidance that can help you cover health-related costs, or lost income whilst you get better.

We’d be delighted to help you take the first step in protecting yourself and your family. Our team provide an individualised service that meets your needs, ensures you get the right level of cover, and gives you peace of mind.

If you would like to learn more about critical illness protection plans or speak with one of our advisors for a no obligation consultation, please contact us today. We look forward to hearing from you.

OH Mortgage Brokers

DO YOU HAVE ANY QUESTIONS ABOUT CRITICAL ILLNESS

If you have any questions about critical illness cover, or any of our other services, please get in touch with us today!

CRITICAL ILLNESS INSURANCE

HOW WE CAN HELP YOU FIND THE BEST CRITICAL INSURANCE COVER FOR YOU

As a specialist mortgage broker, we are well-placed to provide widespread advice and support for those looking for critical illness cover. Our team have the experience and knowledge to help you find the right plan that meets your needs, budget and lifestyle.

If you have recently been diagnosed with a long-term health condition, we can’t provide cover for that specific illness, but we can help you get comprehensive health cover in other areas. In these challenging times, we’ll advise on the best cover for pre-existing conditions, and will provide ongoing support to ensure that you make an informed decision about your coverage options.

We understand how critical illness cover works, and we’ll provide impartial advice on the features included in each policy so that you know exactly what protection it provides. At OH Mortgages, we are committed to delivering an all-inclusive service and will always go the extra mile to make sure that you have the best possible protection in place for your future. With our help, you can rest assured that you’re fully covered in case of illness or injury.

Please note for these insurance products, terms and conditions apply. This information is a summary only. You will receive a full policy document upon application. This policy will set out the terms, conditions and limitations of cover provided under the plan.

Other Services We Proudly Provide

In addition to providing critical illness cover, we also provide a wide range of other services. These include:

FAQ'S ON CRITICAL ILLNESS COVER

We’ve prepared some of our most common frequently asked questions around critical illness cover for mortgages, if you have any further questions, please don’t hesitate to speak to our team. 

Critical illness cover is a type of insurance policy designed to provide financial protection in the event of a serious illness. It pays out a lump sum if you develop one of the conditions specified in your policy, such as heart attack, stroke, or cancer and can be used to help cover medical costs or lost income due to time off work.

Critical illness cover covers a wide range of illnesses. The top 5 most claimed are Cancer, Heart Attack, Strokes, Multiple Sclerosis and Benign Brain Tumor. It is important to note that it covers a wider variety of illness but this will vary between providers, which is why it is so important to find a provider that works for your situation.

Here at OH Mortgages, we can help you find a provider that will support you with whatever illness you’re facing.

Yes. Critical illness cover provides essential financial protection in the event of a serious illness and can help you cover medical bills or lost income due to time off work. It can also provide peace of mind, knowing that you have protection should anything unexpected happen. This can be invaluable in times of uncertainty.

Critical illness insurance typically does not cover pre-existing conditions, so it is important to make sure you understand what is and isn’t covered before taking out a policy. It also does not cover general illnesses such as the flu or other minor health issues. For more advice, please get in touch with our team who can help you make an informed decision on your policy.

This will depend on the severity of your illness and your individual situation. The amount of cover you need will depend on numerous factors such as medical costs, lost income due to time off work or changes to lifestyle resulting from the illness. In addition, you’ll also need to factor in the level of mortgage debt and credit commitments you currently have.

For example, take into consideration whether you have been able to maintain your current lifestyle and routine following the diagnosis or do you need extra help? It is important that you have enough cover to ensure you are adequately protected.

This will vary between providers but as a general rule, critical illness cover is reasonably priced and cost-effective. The cost of a policy will depend on the level of cover you choose, as well as factors such as your current health and lifestyle. Some lenders offer more inclusiveplans for a slightly higher monthly or annual premium, so it’s best to shop around and compare different providers before deciding which one is right for you. Whereas, if you’re on a budget, we can help you find the most cost-effective option.

The benefits of critical illness cover are numerous, but here are a few of the most common examples.

1. Financial Protection: Critical illness cover can provide financial protection in the event of a serious illness, helping you to cover medical costs or lost income due to time off.

2. Peace of Mind: Knowing that you have protection against unexpected illnesses gives peace of mind and allows you to focus on what’s important – your health and recovery.

3. Flexibility: Critical illness cover can be tailored to meet your individual needs, so you can choose the right level of protection for you and your family.

4. Cost-Effectiveness: This policy is generally cost-effective, providing essential financial protection at a reasonable price.

Yes, some critical illness policies will pay off your mortgage if you are diagnosed with a serious illness or long-term health condition. This is known as mortgage protection and can be included in the policy if you choose to do so.

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REFER A FRIEND TODAY

Hopefully you have enjoyed your mortgage and protection journey with OH Mortgages, we are here to help with any of your future needs. If you have any friends, family or work colleagues that might also benefit from our services we offer a great refer a friend scheme where you will receive a £50 amazon gift to spend on whatever you like, and there is no limit to how many gift cards you can receive. The £50 voucher will be paid on completion of any of your referrals mortgages.