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Put Critical Illness Cover on Your To Do List This Year

Fri, 11/09/2012 - 4:26pm | by michellecruze1987


Did you know that heart attack or cancer affects one in four women before they reach retirement age? 

Even those who follow a healthy lifestyle can be susceptible to these illnesses especially genetic cancers and other life-threatening illness.  That’s why it’s never been more important to start thinking about critical illness insurance.  The great thing about critical illness cover is that it provides additional peace of mind. You might be in excellent shape right now, but at least you know that your loved ones will be protected in the event of illness. 

Critical illness cover was first launched in the 60s and back then only 4 illnesses were covered.  Today, times (and the prevalence of some illnesses) have changed and over 30 diseases and illnesses are now covered by the average critical illness policy.

Most policies cover the following conditions:

  • Cancer
  • Heart Attack 
  • Coronary Artery Bypass
  • Kidney Failure
  • Multiple Sclerosis
  • Stroke
  • Major Organ Transplant

Many policies also pay out if the policy holder becomes permanently disabled as a result of illness or injury.  So you see, critical life cover can really be a blessing if the unexpected happens.  It’s especially important to consider cover if you’re the sole provider for your family.  You can be sure of a more certain future if the funds are in place to protect your family in the event of your death or a debilitating illness.

You might already have critical illness cover in place in which case you might want to take a look over your policy.  As we mentioned above, the goalposts are constantly changing when it comes to policy wording and the illnesses covered.  Just imagine contracting one of the diseases not on your list and then finding out you could have changed your policy.  So many people have wished they were more diligent when it comes to choosing the right policy. 

A critical illness can be upsetting for the whole family, but when you have critical illness cover in place, you can ease some of the emotional burden by ensuring finances are given a boost.  Whether you are not able to work as a result of treatment or you have taken a turn for the worst, you’ll want to know your family will be provided for. 

Choosing critical illness cover can be a bit of a challenge if you’re not sure what you’re doing.  It’s a really good idea to use a broker as they can search the whole of market to find the best deal for you. 

Author Bio

Take some time out to find out more about critical illness cover at and that of your family.  It could be the best thing you do this year.



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