This benefit is usually taken as an optional benefit to a Mortgage Protection or Family Protection plan. Critical Illness Cover would provide a lump sum benefit on diagnosis of a Critical Illness covered by the policy. The amount of benefit paid would be the same amount as your basic death benefit. After any claim the plan would cease. Apart from the main Critical Illnesses, for example HEART ATTACK, CANCER, STROKE, cover can also be included that may be pertinent to your sporting activities for example TRAUMATIC HEAD INJURY or TOTAL PERMANENT DISABLEMENT.

Not to be confused with Terminal Illness Cover which is usually a free benefit on a Life Insurance policy that simply pays out the death benefit early if you are diagnosed not to survive longer than 12 months.

“More than 1 in 3 people will develop some form of cancer during their lifetime."
Source: Cancer Research UK website.

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