Critical Illness Cover

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Colm Kelly on the benefits of Critical Illness Cover

I contacted Cregan Kelly O'Brien through their website. The cover was arranged very quickly and I would highly recommend them to any friends or family.

Seamus Gannon, Galway

Critical Illness Cover

Why do I need Critical Illness Cover

Sometimes it's easy to forget when building a career, a home and a family, how important it is to protect your family and business interests against the many ways they can be put at risk.

It is not pleasant to think about what would happen if you (or your partner) were to die or suffer a serious or critical illness. Worse still, if one of your children were to suffer a serious or critical illness or needed to travel abroad for treatment, would you be in a position to cope financially

Serious Illnesses such as Cancer and Heart Disease can occur all too frequently. While most people usually survive these life-threatening diseases it can be extremely difficult to cope with the financial difficulties that follow. Everybody needs some form of financial protection in case the worst happens.

Some health facts

Illness
Cancer
Heart Attack
Stroke
Any of the above

Possibility of contracting
1 in 11
1 in 7
1 in 26
Any of the above 1 in 4

The chance of female aged 20 - 40, currently in good health, of contracting a serious illness before the age of 65 are summarised as follows

Illness
Cancer
Heart Attack
Stroke
Any of the above

Possibility of contracting
1 in 7
1 in 17
1 in 27
Any of the above 1 in 5

If you are the sole earner in the household and were to die or suffer a critical illness, who would pay the mortgage and who would pay for your children’s education? Who would provide for those special future events such as your son’s or daughter’s wedding? And of course, day-to-day bills, such as electricity, heating, transport, clothes and food, all need to be paid. With a Serious Illness Policy, you can protect the well-being of your family and allow them to cope when you are not able to help them. Life cover and Serious Illness cover are essential elements of protecting the essence of your family or business.

People are more likely to suffer a serious illness than die prematurely, and Serious Illness cover is a vital element for those who want to protect themselves, their family and their business interests against the unknown.

A Critical Illness policy can help ease the financial costs involved in the unfortunate event that you, or an insured member of your family, die or contract a life threatening illness.


Our commitment to you

We promise to listen to your needs, provide the best advice and find you the best cover available, at the best price

Illnesses we cover:

  • Alzheimer's disease
  • Aorta graft surgery
  • Aplastic anaemia
  • Bacterial meningitis
  • Benign brain tumour
  • Benign spinal cord tumour
  • Blindness
  • Cancer
  • Cardiomyopathy
  • Coma
  • Coronary artery by pass grafts
  • Creutzfeldt-Jakob disease
  • Deafness
  • Dementia
  • Encephalitis
  • Heart Attack
  • Heart Valve Replacement or repair
  • Heart Surgery
  • HIV
  • Kidney Failure
  • Liver Failure
  • Loss of Independence
  • Loss of Limbs
  • Loss of Speech
  • Major Organ Transplant
  • Motor Neurone Disease
  • Multiple Sclerosis
  • Paralysis of limbs
  • Parkinson's disease
  • Primary pulmonary hypertension
  • Progressive supranuclear palsy
  • Pulmonary artery surgery
  • Respiratory failure of specified severity
  • Severe burns
  • Stroke
  • Systemic lupus erythematosus
  • Traumatic head injury

About Cregan Kelly O'Brien

 

In 2007 Maurice Cregan and Colm Kelly established CK Financial Services to provide independent financial planning and advice to business owners and individuals. Tommy O'Brien, a General Insurance expert, then joined them in 2010, enabling them to meet the full financial needs of their clients. The group has since been renamed Cregan Kelly O'Brien.

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