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Critical illness insurance: Severity based cover

Critical illness cover is based on a list of illnesses and conditions for which insurance payouts will be made.


If you have  a listed condition, the chances of beating it or living more than a few months used to be very low.


So, on a conventional cover if you have an insured illness and a

claim has been paid, then insurers will no longer offer you cover.


But modern medicine means that many more conditions are beatable, and others can go into remission for years, while even with some diseases, people can live for many years.


An increasing number of insurers recognise that some conditions, such as early stage cancers  where the removal of a breast is required, warrant some payout instead of nothing at all.


So one in two policies now automatically includes severity cover,

where the payout is directly linked to the severity of the condition.

If you have a claim paid, and live for another ten years and a

condition worsens or if a new illness is diagnosed, not only does

cover continue but also further claims can be made.


The severity concept is literally moving the goalposts. The really

important question is changing from 'will my claim be paid?' to 'how much will I be paid?'.


It is now an important part of the cover and you should check if the

insurer that perhaps looks good value,  does so because another

insurer at a slightly higher price also includes severity cover.


Types of cover:  Index



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Critical illness insurance

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