What happens if your condition improves after making a claim on your Critical Illness policy?

Once the insurance company has paid you the money is yours to spend how you like. The policy is terminated and your insurer has no interest on how you live your life or indeed whether your condition improves or is healed.

STEP 1 of 2
Type of cover
Life Insurance       Mortgage Life Insurance
 
Cover Level (£)

Number of years
Do you want:  
Critical illness cover
Family income benefit
 

Hot Topics

Why do I need critical illness cover?
1 in 5 men suffer a critical illness before their normal retirement age. 1 in 6 women suffer a critical illness before their normal retirement age.
How long should you insure for?
20 to 25 years is most common but it really depends on how much you can afford and your personal circumstances.
Should you have a “Guaranteed” or a “Reviewable” policy?
When a policy is first started Guaranteed policies have higher premiums than Reviewable policies - but in the longer period Reviewable policies generally work out more expensive.
Will Critical Illness policies permit the use of alternative medicines?
After you have been diagnosed with a qualifying Critical Illness and the claim has been paid you can spend your money however you like. So if you want to spend some of your money on alternative medicines then that’s entirely your choice.
What is the difference between Critical Illness cover and Terminal Illness cover?
Critical Illness Insurance is much more comprehensive than Terminal Illness cover. 1 in 5 men and 1 in 6 women suffer a critical illness before their usual retirement age.
Being able to recover in comfort may mean you become healthy enough to either return to work or start employment again, perhaps in a different role. If so, that’s absolutely great!

It may be useful to remember that:

  • 1 in 5 men and 1 in 6 women will suffer a Critical Illness before their normal retirement age.
  • 78% of stroke victims survive more than a year.

Frequently Asked Questions related to the above topic.
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