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Critical illness cover for disability

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;

  • Advanced Cancer

  • Cardiovascular System

  • Digestive System

  • Mental disorders

  • Musculoskeletar system

  • Permanent failure of functional activity

  • Renal Disease

  • Respiratory System


Types of cover:  Index



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Critical illness insurance

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