Intense debate surrounds whether or not it is fair to pick out one particular illness
For
It makes cover available to those who cannot afford a full critical illness policy.
Most critical illness policies do not cover major problem areas such as bad backs, stress , and depression.
Against
It is a gamble insuring cancer, if you then suffer long-term illness such as from a stroke or heart attack. Premium savings are small compared to the reduction in cover, due to the fixed costs of administering a product.
Note
Even cancer only policies do not cover all types of cancer. But neither does the cancer cover under full critical illness policies
Suggestion
Consider limited cover critical illness or life and critical illness covers.
Types of cover: Index
