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AEGON Critical Illness Insurance
Critical illness insurance offers financial protection if you are diagnosed with a specified critical illness during the policy term.
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AEGON, an international provider of life insurance, pensions and asset management, offers a comprehensive Critical Illness Cover. This guide aims to provide an overview of AEGON’s Critical Illness Insurance, helping you understand the policy, its benefits, and how to make a claim.
What is Covered?
AEGON’s Critical Illness Insurance offers a lump sum payment if you’re diagnosed with a critical illness covered by the policy during its term. The illnesses typically covered include:
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Certain types and stages of cancer
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Heart attack
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Stroke
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Major organ transplant
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Kidney failure
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Alzheimer’s disease
For a full list of covered illnesses and their definitions, always refer to your policy documents.
Benefits of AEGON’s Critical Illness Insurance
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Lump sum payment: Upon being diagnosed with a covered critical illness, a tax-free lump sum payment is provided.
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Children’s cover: AEGON’s policy automatically includes coverage for your children at no additional cost.
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Additional support services: You can access expert medical, mental, and emotional support services.
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Policy customization: Choose the policy term and coverage amount based on your needs.
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Transparency: AEGON aims to make their policies simple to understand, with clear terms and conditions.
How to Apply for Coverage
To apply for AEGON’s Critical Illness Insurance, follow these steps:
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Get a quote: Start by obtaining a quote either online or over the phone. Provide your personal details, including age, lifestyle habits, and medical history.
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Choose your coverage: Decide the coverage amount you need and the policy’s duration. Your premium’s cost will depend on these choices, alongside your personal circumstances.
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Complete the application: Fill out the application form. It’s crucial to provide accurate and honest responses, as incorrect information could lead to future claim denials.
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Review and pay: Review your quote, confirm your details, and make your policy’s payment.
How to Make a Claim
If you need to make a claim, contact AEGON’s claim department as soon as possible. You will be asked to provide:
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Your policy number
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Detailed information about your diagnosis
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Relevant medical documents from your doctor or specialist
Once AEGON receives your claim, they’ll review the information provided and keep you updated on the claim’s status. If your claim is approved, the lump sum payment will be transferred to you or your estate if you pass away.
Considerations
Before purchasing Critical Illness Insurance, carefully evaluate your personal, financial, and health circumstances. Seek advice from a financial advisor to understand if this insurance is suitable for you. Note that the policy doesn’t cover all illnesses and will not pay out on death unless it is due to a covered critical illness within the policy term.
Conclusion
Critical Illness Insurance from AEGON can provide financial aid if you are diagnosed with a critical illness covered under the policy. It’s essential to understand the policy’s coverage, benefits, and terms before making a purchase. Always refer to your policy documentation for full details of what is and isn’t covered.
Disclaimer: This guide is for informational purposes only. It is always recommended to contact AEGON directly or consult with a financial advisor for personalized advice.
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Losing a loved one is never easy…
but having life insurance in place can ease the financial burden at an emotionally difficult time. Our team of protection specialists can help you find the RIGHT policy at the RIGHT price. We even help you put your policy into TRUST for FREE which could protect it from the TAXMAN. Simply fill out the form and we will get everything ready and start preparing your quotes.
Ask Yourself:
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These are just a few things to think about when obtaining life insurance. If you pass away the policy will pay out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle in the event of your death.
We don’t talk to people like they’re just a number
Our expert advisers help people make informed decisions through expert financial advice.
Get Covered in 3 Easy Steps
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Tell us how much money you would need to financially protect your loved ones
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We will call you to discuss your options and provide comprehensive free quotes
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You decide which policy to take and get protected today with no medicals or forms
We Provide Complete Cover For:
Life Insurance
Make sure your family have financial security in the event of your passing…
Income Protection
Protect your income if you’re unable to work due to illness or injury…
Critical Illness
Get a lump sum payment if you’re diagnosed with a serious illness…
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Frequently Asked Questions
Whose Products Do We Sell?
- We offer products from a range of insurers for life insurance and critical illness cover.
- We offer protection products from a limited number of insurers for Whole of Life and Over 50s plans. A list of insurers we offer insurance from is available on request.
- As we’re not tied to any ONE provider we are able to search our panel of insurers and find you the best price available to us.
- We sometimes get preferential rates on selling policies which we pass on to you.
- We are paid a commission by each insurer for setting up your policy – it costs you nothing to use our service.
What Service Do We Offer?
- We are authorised by the FCA to advise our client on their protection needs. Our advisers will assess your demands and needs and recommend a suitable product that will protect you and your family. We get to know our clients and help them to decide on the right cover for the right price from a panel of leading UK insurers.
- We will ask you a number of questions designed to make you think about the shortfall in your income in the event of the death of a partner or breadwinner. Our questions are simple and our advisers avoid jargon making it easy for clients to understand.
How Much Does Our Service Cost?
- NOTHING – We do not charge a fee for our service; however, if you take a policy out through us we will be paid by commission from the insurer, but it still costs you nothing.
- You will receive a quotation which will tell you about any policy premiums relating to any particular insurance policy.
- We will put your life insurance policy into TRUST for FREE – this means that it may not be counted as part of your estate when you pass away and could secure it from the taxman – why should you lose your payout to the taxman’s inheritance tax?