What does it cover?
The specific illnesses that are covered will differ depending on the life insurance that you take out, but critical illness cover typically includes heart attacks, strokes and non-terminal cancer. It can also protect you if you’ve become permanently disabled following an injury. Be aware that not all illnesses are covered and most policies will state how serious the condition must be for you to make a claim.
What’s not covered?
Some serious conditions and advanced cancers are often excluded from critical illness cover. Like most insurance policies, it’s unlikely that you’ll be covered for any pre-existing conditions. Make sure you thoroughly read through your policy and the terms and conditions so you know exactly what is and isn’t covered.