What is best critical illness cover?

Best critical illness cover provides customers with an insurance policy that will pay out a lump sum payment to customers who are diagnosed with a critical illness, and who survive the survival period. The survival period varies from insurer to insurer, but is generally around 28 days, and is the period of time from first diagnosis of a critical illness that a customer must live to be able to make a claim.

The list of critical illnesses also varies from insurer to insurer, and has come a long way since the first policy almost 30 years ago, that covered just four illnesses. In fact, one policy offered in the UK now covers over 160 illnesses, although the average best critical illness cover policy in the UK will cover about 30 illnesses. You can expect to find most forms of cancer, heart disease, stroke and heart bypass surgery on most lists. Those customers who have breast cancer running in their family should be careful to find a best critical illness cover policy that covers all forms of breast cancer, as some do not cover the disease when it is caught in the early stages, because of the hugely increasing survival rates.

Why do I need a best critical illness cover policy?

A best critical illness cover policy provides customers with peace of mind that should the worst happen and they are diagnosed with a critical illness that they will be looked after financially, and won’t have to worry about money. Whilst many customers will receive sick pay from their place of work for some period of time, a lot find that they are still to unwell to go back when that runs out, and the best critical illness cover payout can help to replace lost income during this period.

Where does the best critical illness cover policy come from?

The best critical illness cover policy comes from South Africa, where Dr Barnard saw his customers struggling financially while fighting critical illnesses, and believed the stress of their financial worries was affecting their recovery. It remains the only insurance product on earth created by a medical professional, and has moved on quite some way since the first policy in 1983 covered just four illnesses.

A best critical illness cover policy will give you peace of mind that should you become ill and not be able to work, your policy payout will help support your family so you can concentrate on getting better.