Critical Illness Cover for Dental professionals

What is it?

Critical illness cover (CIC) is a long-term insurance policy designed to pay a lump sum on the diagnosis of certain life-threatening or debilitating (but not necessarily fatal) conditions such as a heart attack, stroke, cancer, multiple sclerosis and loss of limbs.

The illnesses covered will be specified in the policy along with any exclusions and limitations – these differ between insurers. CIC policies usually only pay out once, so are not a replacement for income.

You may also be able to attach Total and Permanent disability benefit (TPD) to your policy, on an own occupation basis.

All dental surgeons, in our opinion, should take specialist advice before taking out critical illness policies to ensure the correct type of policy and the correct level of cover.

If you would like further information about our dental financial and business planning services we offer or would like to arrange a free no obligation meeting, please give us a call on 01489 890111.