Critical Illness Cover protects you against illnesses that are serious and can have a severe impact on your life. The Association of British Insurers specifies that cancer, heart attack and stroke are conditions that must be included. These three conditions account for over 80% of all claims.
However, the top insurers will also cover you for around 40-80 additional conditions, including: multiple sclerosis, certain heart conditions, Parkinson’s and other neurological conditions, total permanent disability, partial loss of hearing/sight, partial third degree burns, Alzheimer’s disease or other forms of dementia, coma, loss of speech, hands or feet, major organ transplant, kidney or liver failure, accident hospitalisation cover, plus many more.
We will analyse each insurer’s Critical Illness Cover and recommend the best policy for your specific circumstances. There is a vast gulf between the lesser and better policies – taking advice is essential.