Critical illness cover is designed to help support you and your family should you become unwell - allowing you to focus on your recovery without worrying about how bills will be paid.
The two types of critical illness cover
There are two types of critical illness cover:
- Additional cover policies which can pay more than once. I.e. it will pay out if you’re diagnosed with a critical illness and in the event of death
- Combined cover will payout 100% of your chosen amount upon diagnosis or death, not both.
What is included in critical illness cover?
What’s included in critical illness cover will vary from provider to provider but generally speaking, most will cover the following:
- Heart attack
- Some types of cancer
- Severe head injuries
- Organ transplants
Not every insurer will cover every type or occurrence of these illnesses, therefore you should always review the policy terms and conditions before proceeding.