With the advancements of today in technology and medicine more and more individuals are living longer after being diagnosed with a critical illness. Where once they could succumb to their illness within a very short period of time many can live with their illness for many years, however often life is not the same as before. While you cannot possibly change what might be in the future you can at least prepare for the worst case scenario of you becoming a victim to critical illness by taking out critical illness cover.
Critical Illness cover would generally cover a whole range of critical illnesses; however these would depend on the provider you have chosen to take out your critical illness protection with. Usually the standard policy would protect against cancer and heart attack along with stroke and bypass surgery. In the majority of cases a policy would cover up to 38 different critical illnesses which may include kidney failure, multiple sclerosis, Parkinson’s disease, HIV and blindness. Of course you would need to check the small print to find out exactly what was covered in any policy you are considering taking out.
There would be limitations even on the critical illnesses that were included in the policy and these would be at the discretion of the provider offering the policy. For instance to be able to make a successful claim on your insurance you would have to meet the severity requirements set out in the insurers definition. There could also be exclusions and these again would depend on the provider you choose to take your protection with. For instance certain types of cancer which are less advanced would be excluded from your critical illness protection.
It is also essential to realise that critical illness protection would usually only provide the benefit you had insured if you survive for a certain period of time after being diagnosed with your critical illness. This can be as little as 14 days after taking out the insurance but some providers could ask you survive for 28 days before the policy would payout. The majority of insurance providers offering critical illness protection would automatically include critical illness protection for the children of the individual taking out the policy. However you would need to check in the policies small print and not just take this for granted.
Just as when taking out life insurance you also have the possibility of choosing the type of critical illness cover needed. You could want to take out insurance in line with your mortgage. You might choose to take out level term cover which means your insurance would payout the sum insured if you were to be diagnosed with a critical illness. Decreasing term insurance could be taken in line with a mortgage and this would ensure that you would not have to worry about losing your income to critical illness and being unable to pay your mortgage commitment. You would have the money to become mortgage free which would leave you free to concentrate on your health and family.
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