A claim for critical illness and heart attack insurance cover is a type of product where the claimant and insurance company draft an agreement so a claimant will receive a lump sum for a critical illness. Critical insurance cover is often referred to a trauma insurance.

Types of Critical Illnesses

Critical insurance is frequently sold to people who work in production plants, factories, or similar places where they will be prone to diseases or illnesses. Some of these illnesses include cancer, heart attack, and stroke. Other critical illnesses include deafness, blindness, kidney failure, multiple sclerosis, Alzheimer’s disease, and terminal illnesses. Self-inflicted injuries are not covered under a critical illness plan. Policyholders may hold more than one critical illness policy. For example, you can apply for more than one plan to cover various illnesses.

A No Win, No Fee Scheme

Fortunately, you can receive the money for a critical illness claim that is fair and equitable by contacting superannuation lawyers. If you are worried about paying the legal costs, contact a law firm to see if you qualify for a no win, no fee scheme.

Superannuation lawyers understand the particulars of critical illness claims. Therefore, you can get your questions answered when you receive help from a legal expert. The insurance is designed to provide cover if you are diagnosed with a specific injury or illness. The policies cover major illnesses that can greatly affect a person’s life.

How the Insurance Is Used

The set amount covered by a critical illness plan can be used for the following:

  • Paying for private medical costs
  • Receiving income, if you must stop working
  • Paying for the ongoing cost of therapy
  • Making modifications to one’s lifestyle or housing
  • Repaying debts

Making a Decision on Insurance

When people choose trauma cover, they usually make a decision based on their level of cover for private health insurance and the types of life insurance they possess through their super fund. They also consider how much money their family will need if they cannot work. Other considerations include workers compensation benefits or similar governmental incentives.

How a Barrister Can Help

Again, trauma cover is designed for a major life illness – an illness that will change your life forever. That is why you should know your rights when you take out the cover or when you feel the need to seek legal help. You should never feel that you are being financially burdened when you are suffering from a serious illness. That is why it is important to ask for legal assistance when you have specific enquiries about the cover.

If you qualify for no win, no fee representation, a law firm will cover any upfront costs – costs that include medical reports or barristers’ advice. These expenses will paid back when you receive a final settlement.