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The following might help you decide how much cover you need.
How much would you need to repay your mortgage, overdraft, loans or any credit card balances? The freedom that comes from being debt free does wonders for recovery
What is “Total and Permanent Disability”?
“Total and Permanent Disability” means that if you are diagnosed with any illness, or have an accident, that totally and permanently prevents you from working, you have a valid claim.
Are Critical Illnesses In Pregnancy Covered?
Pregnancy does not affect any claim under critical illness insurance. It would be hard to make a case that pregnancy was a ‘self-inflicted injury’!
Can You Include Your Children On A Critical Illness Policy?
Yes. Most insurers will automatically include children on your policy.
What information will be needed at the time of a Critical Illness claim?
For a Critical Illness claim to be successful the insurance company’s claims department will need evidence that you have been diagnosed as having one of the listed critical illnesses. This evidence will normally come from a Hospital Consultant who is a specialist in the illness which has been diagnosed.

What decisions will you have to make before you can get a quotation?

You will have to make four decisions:

  • How long you want the policy to be in force (that’s known as the policy’s “term”)
  • How much money you want to insure for (that’s known as the policy’s cover)
  • Whether you want to insure simply yourself or include your partner – i.e. whether you want a Single or Joint policy
  • Whether you want a Guaranteed or Reviewable policy.

Here’s a Tip

You may find that you can get quote for a Life Insurance policy with Critical Illness cover cheaper than just Critical Illness policy alone! That would give you far more protection and cheaper too!

Frequently Asked Questions related to the above topic.
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