Why do occupational therapists need critical illness cover?
A serious diagnosis affecting an occupational therapist's ability to work with patients can be financially devastating, particularly for those in private practice. Critical illness cover provides a tax-free lump sum to cover personal and professional costs during recovery.
What does critical illness cover pay out for?
Most UK policies cover 30–50 serious conditions, including cancer, heart attack, stroke, multiple sclerosis, and organ failure. The payout is a tax-free lump sum — use it to clear debt, fund treatment, or replace lost income.
How much CIC do occupational therapists need?
A good starting point is 3–5 times your annual salary, or enough to clear your mortgage plus 12 months of living costs. Occupational therapists are typically offered standard or preferred rates for critical illness cover.
How much does CIC cost for occupational therapists?
A healthy 35-year-old occupational therapist can typically get £100,000 of cover for £25–£50 per month. Use our comparison tool to get personalised quotes.
Frequently Asked Questions
Not necessarily — CIC premiums are based primarily on age, health, and smoking status. Occupational therapists are typically offered standard or preferred rates for critical illness cover.
Yes — payouts from personal critical illness policies are completely tax-free in the UK.
Many people choose a combined policy for simplicity. However, standalone CIC gives more flexibility to adjust each policy independently.