Health Insurance

Health Insurance is probably one of the most important types of insurance you can take out. This could prevent long-term financial problems for you and your family.

  • Critical Illness – provides a tax-free lump sum should you be diagnosed with a specified critical or serious illness
  • Income Protection (Full or Budget/Short term Cover) – pays out a monthly income (which is currently not subject to tax) should you not be able to work due to accident or illness

Having the right plans in place gives you reassurance that day to day household bills and commitments will be made will be made.

With each plan the cover differs, therefore it is important to read terms, conditions, limitations and any exclusions to make sure you know what is and isn’t covered and that it is suitable for your circumstances.

THESE PLANS HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.
PLANS MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILLNESS. THE DEFINITIONS VARY BETWEEN PRODUCT PROVIDERS AND WILL BE DESCRIBED IN THE KEY FEATURES AND POLICY DOCUMENT IF YOU GO AHEAD WITH A PLAN.

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Protection Shortfall Calculator

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Household & Financials

Mortgage/rent, utilities, food, childcare, debt repayments, etc.

Income Protection – Policy Inputs

Used to estimate first IP payment date (paid in arrears).

Life Cover – Assumptions

This tool is for guidance only and not personal advice. Provider caps, definitions and eligibility vary and are subject to underwriting. Income Protection benefits are assumed monthly in arrears. Always read policy documents and seek regulated advice for recommendations.