What is critical illness cover?
If you’re diagnosed with a serious medical condition, critical illness cover for pharmacists can help alleviate the pressure of ongoing financial commitments.
It is often added to a life insurance policy and can be used as you wish, however people tend to use it to settle commitments such as paying off your mortgage or as a trust fund for dependants.
Read our life insurance guide for pharmacists to learn more.
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More about critical illness cover
Total & Permanent Disability
As part of critical illness there is also an extension to the product known as Total and Permanent Disability, which provides cover in the event of you losing a limb, digit or eye for example. Insurers will consider claims in this instance dependent upon the type of occupation cover you have selected.
As a pharmacist specialist, we consider policies which offer cover on an ‘Own’ occupation basis, as it means you would be paid benefits if you were unable to continue to work in your current role regardless of whether you could work in another capacity. Policies written on an “Any” or “Suited” occupation basis will not payout in this instance, as it may be deemed you can work in another capacity i.e. stacking shelves.