How do I compare critical illness cover?

There are many different ways to compare critical illness cover, and understanding exactly how critical illness cover works, and why it was create makes it a lot easier to compare.

Critical illness cover was created in 1983 by Dr Barnard, a world renowned heart surgeon who with his brother completed the world’s first heart transplant. Dr Barnard grew frustrated that his patients were spending more time worrying about the fact they were unable to earn money to pay their mortgages and to feed their families because they were ill, and less time concentrating on their recovery.

As the only insurance product on the planet that has been created by a medical professional, when you compare critical illness cover you will know that you are buying a product that has been designed with your welfare in mind.

What to look for when I compare critical illness cover?

When you compare critical illness cover the most natural thing to look for is the price. The price may be different from policy to policy and will make a difference too many people who wish to spend as little as possible, but is not the be all and end all of a critical illness cover policy.

Every critical illness cover provider will have their own list of critical illnesses that they cover. The very first policy had just four illnesses on the list, while a policy offered in the UK at the moment has over 160 different illnesses, showing just how far the product has come over the last thirty years.

You should look back through your family and try to work out if they have ever had any critical illnesses, as many illnesses are hereditary, and it’s important to choose a policy which covers those illnesses, just in case the illness is passed down through generations, and you are diagnosed with it.

Where can I compare critical illness cover policies?

You can compare critical illness cover on our website, and read information about the different types of critical illness cover, or critical illness insurance as it is also known. It may be that you wish to merge your life insurance with your critical illness insurance, so when you compare critical illness cover policies you may notice life critical illness cover policies, which incorporate both insurances in one policy.