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Critical illness cover

Critical Illness insurance pays out a lump sum if you suffer one of a number of specific medical problems, such as a heart attack, cancer or stroke. However, it doesn't pay out for any medical condition, other than those listed. 


Critical illness does not pay out for stress, depression or back problems; where as a full Income Protection policies cover all three. Unlike many other health and protection insurances, policies pay out on diagnosis of the critical conditions covered, regardless of how well or quickly you recover.


On a Life policy you have to die before a payout. On a Critical Illness policy you will get a payout whether you live or die.


Types of cover:  Index