Critical illness cover

Critical illness life insurance isn’t a legal requirement, getting cover is your choice. Critical illness cover will give you financial protection if you were to suffer from a serious illness or disability. The government can offer some help in the form of sick pay but it’s usually capped at £100, which could be too low to replace your income. If you don’t have sufficient savings to cover an extended period of illness, you might want to consider taking out a critical illness insurance policy.

This all depends on your personal circumstances. When comparing critical illness cover and getting quotes, you’ll need to provider the following details:

• The amount of cover you want
• Your age, health and lifestyle (including alcohol and smoking consumption)
• Any pre-existing medical conditions you have
• How long you want the policy to last

If you already have a life insurance policy in place, adding critical illness cover to your existing policy is normally quick and easy. If you’re looking to take out critical illness cover only, you need to consider more than just the price. Cheap critical illness cover isn’t necessarily the best critical illness cover. We recommend that you read critical illness cover reviews from a variety of insurers to get an idea of how good the cover is and how they handle claims. You want to make sure you’ll be in safe hands if you ever need to make a claim.