MOVA / Critical Illness Cover
Critical illness cover.
Understand the detail.
Understand how a lump sum could support your household, and what a policy would need to cover before it can pay a claim.
Initial conversation at no cost · No pressure to proceed
Start with what matters to you.
You do not need to choose a product before getting in touch. Bring your plans and your questions; Steven will help you understand the next step.
Three things to clarify
What to check in critical illness cover.
The conditions covered
The policy’s definitions and severity requirements determine whether a diagnosis qualifies.
The financial need
Consider debts, recovery costs and the household support you would want.
The policy terms
Exclusions, underwriting and the way cover is combined with life insurance matter.
It is about defined conditions, not every illness.
Critical illness cover can pay a lump sum when a claim meets the policy’s specified conditions. A diagnosis alone does not necessarily meet its definition, and policies can differ materially. Steven can help explain those differences as part of the advice process.
Discuss what the money would need to do.
A payment might help reduce a mortgage or give a household more financial room during recovery. The appropriate amount depends on your wider circumstances, existing benefits and budget. It should not be chosen simply because it matches a standard example.
Understand how it sits alongside other cover.
Life cover, critical illness cover and income protection serve different purposes. Some combined policies end or reduce other benefits after a claim. Before deciding, understand what would remain in place and whether the premium and terms can be maintained.
Your questions, answered
Clearer on the detail.
Ready for the next step.
Have a question that is specific to you?
Does it cover every form of cancer or serious illness?
No. Cover depends on the conditions, definitions and exclusions in the particular policy.
Is it the same as income protection?
No. Critical illness cover generally pays a lump sum for a qualifying condition. Income protection is designed around qualifying incapacity and periodic income benefits.
Should I include medical details in this enquiry?
No. Keep the website enquiry general. Medical information should be provided through the appropriate advice and insurer application process.
A practical next step
Talk through your plans
with Steven.
An initial conversation can help you understand where to start and what information may be needed next.
Cover is subject to eligibility, underwriting, policy terms, definitions and exclusions. Do not cancel existing cover until any replacement has been accepted and is in force. Any relevant costs will be explained before you choose to proceed.