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The main principle of critical illness cover is that you pay premiums for a set period; in return, the insurer pays out if you are diagnosed with a critical illness. Exactly what this covers can vary widely. Every insurer covers common conditions such as heart attacks, strokes and most forms of cancer, with 50 or more stated conditions not being an unusual number, but the precise list can vary.
In many cases, your policy will also payout if your child is diagnosed with one of the cover conditions. Usually the payout amount will be around half of the cover amount that applies to you.
For the most part, critical illness policies also pay out immediately if you are diagnosed with a terminal condition that means you are likely to die during the cover period. Most policies can also cover one or both of a couple of other forms of life insurance: level term, which pays out a flat amount if you die (whether or not its from a critical illness); and mortgage life insurance, which pays off your outstanding mortgage if you die.
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These include payments to cover the time you spend in hospital, childcare costs while you are ill, and accommodation costs for your family if your child is in hospital away from your home area. Bear in mind that these add-ons only cover the listed critical illnesses, rather than general ill health or accidents.Start saving today