When there is a need for Income Protection and Critical Illness , the two most usual ways are to have individual policies or to take out both sections in a Menu policy.
Although rare, there are some Income Protection policies to which you can add an optional Critical Illness section
If considering such policies, remember that the optional CI section only operates for the period of the main IncomeProtection policy - the latter can be for as short a term as 12 months.
Most of these types of policies, and details about them, are only available from insurance intermediaries, tied agents of insurance companies, banks, building societies, supermarkets and others. In theory, you should be able to see clearly whether or not a provider offers a range of policies from the market, only products from one company, or is a multi tied agent for only a handful of insurers. In practice, this is not always clear.
Types of cover: Index