Critical illness cover (CIC) is a long-term insurance policy designed to pay a lump sum if you are diagnosed with a serious medical condition.  These include a heart attack, stroke, cancer, multiple sclerosis, Parkinson’s and many others.

It is important for dentists to have critical illness cover in order to alleviate ongoing financial commitments.  This cover can be both for personal protection and partner protection if you own a dental practice.

We will always look to attach an additional benefit to the CIC product called total and permanent disability benefit (TPD).  This provides cover in the case of you losing a limb, eye or digit for example.

As a dental professional we will only consider products which offer TPD on an own occupation basis. This means you would receive the benefits if you were unable to work in your current role in dentistry regardless of whether you could work in some other capacity. A policy written with TPD on any other basis would not pay out in this instance as it may be deemed that you can work in some other capacity.

We offer specialist advice in this area and will always ensure the correct type of policy and the correct level of cover is selected.


Martin, Paul and the Team have been invaluable in helping us ensure that our family and practice would remain secure if any unfortunate event were to occur. The service provided by Dental Financial Associates is comprehensive and tailored exactly to our needs and we highly recommend them to any dentist wanting peace of mind over their financial affairs.

Dr Chris and Dr Hayley French — Clarendon house Dental Centre, Leamington Spa

I have known and been working with Martin for approximately 10 years now. Within that time the clients that I’ve referred to him have been delighted to benefit from his professionalism, dedication, extremely helpful advice and prompt support. Martin has a passion for dentistry and is a real expert in all the financial and business aspects of a dental practice. Martin and his team deliver on their service level commitments and I’d have no hesitation in recommending him to any of my dental customers wherever they are nationally.

Ian Eslick - DPAS Business Development Manager

Martin Haines at Dental Financial Associates has provided me with easy to follow information and advice, which means I don’t have to worry about my financial future, and can concentrate on being a dentist and enjoying life. Their specialist knowledge of policies for dentists and their total independence from any of the companies means I have a bespoke and complimentary portfolio of policies to insure me and to provide for me and my family’s future. This service is essential if you want a financially secure future and no worries.

Dr Dave Mantle - Smilecare, Chiswick

I would not hesitate to recommend Dental Financial Associates. Martin Haines has a thorough understanding of the Dental business and as well as comprehensively sorting out our financial requirements he is always ready to go that extra mile with any business help or advice you may require by drawing upon his extensive knowledge and experience or referring you to the appropriate person.

Derek Stott - Needham Market Dental Practice