Many Critical Illness policies cover total and permanent disability – illnesses and medical conditions where there is no long-term prospect of recovery and where the insured is totally disabled. (See Permanent and total disability cover).
A new variant is the offer of disability cover as an option within a wider income protection or critical illness policy. This cover includes illnesses and problems that are not usually covered under Critical Illness. Each insurer varies but a typical offering includes;
Types of cover: Index