Scottish Provident paid 93% of critical illness claims in the first half of 2012.

2% of claims were rejected for non-disclosure and over £43,303,919 was paid out in total.

The average payout was £84,743 with the largest payout £1 million. The average age of a claimant was 49 years old and the youngest adult claimant 22 years old.

60% were for cancer, followed by heart attack (16%) and stroke (6%).

“It is very pleasing to see such a high claims paid figure which helps generate a massive confidence in Scottish Provident with advisers and their clients,” said Susan Barclay (pictured), head of marketing, Scottish Provident.

“All too often the public only get to hear about the few cases where claims have been declined, but with only 2% of our claims rejected for non-disclosure, consumers can be confident that claims will be paid.

“The diagnosis of a critical illness will have a financial as well as an emotional impact on a family and it is extremely worrying that negative stories could discourage people from taking out cover.

“We urge consumers to take the necessary steps in getting their finances in order. That means talking to an adviser and ensuring they have the right amount of financial protection in place. A financial payout is essential to help people to continue to make ends meet should their income suddenly stop due to a critical illness or disability.”