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What types of illness does this cover?
Examples of critical illnesses that might be covered include:
- heart attack
- certain types and stages of cancer
- conditions such as multiple sclerosis.
Most policies will also consider permanent disabilities as a result of injury or illness.
It only pays out once and then the policy ends.
Some policies will make a smaller payment for less severe conditions, or if one of your children has one of the specified conditions.
What isn’t covered?
Some serious illnesses might not be covered, for example, some cancers and conditions not listed in the policy.
You probably won’t be covered for health problems you knew you had before you took out the insurance, and this type of insurance doesn’t pay out if you die.
What’s covered and what’s not, will be set out in the policy details so make sure you’re fully aware of them and that they cover your needs.
You should look at getting critical illness cover if:
- you don’t have enough savings to tide you over if you become seriously ill or disabled
you don’t have an employee benefits package to cover a longer time off work due to sickness.
Who doesn’t need it?
You might not need it if:
- you have enough savings to fall back on and can cover expenses such as bills, loans, medical costs or a mortgage
- you have a partner who can cover living costs and any shared commitments, such as a mortgage
- you already have some cover included in as part of your employer’s employee benefits scheme.
How much does it cost?
Your monthly payments will depend on a number of factors, including:
- the amount of cover you take out
- whether you smoke or have previously smoked
- health (your current health, your weight, your family medical history)
- job (some occupations carry a higher risk than others and might mean you have to pay more each month.