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  • Richard Hey

Check critical illness cover meets your needs

With medic advances constantly evolving, it is important to review your critical illness cover to ensure it still meets the needs of you and your family.



Which illnesses are covered?

Insurers often revise the illnesses that are covered to reflect medical advances, so make sure you know your policy.  For example, insurers will specify which illnesses are classified as cancer; in some cases, progressive cutaneous lymphoma and sarcomas are included. Also, if you have a chronic illness such as Crohn’s disease, you may need an additional layer of cover so that you are insured if a serious flare up leaves you unable to work.

 

Cover for your children

If you have adult children, check whether they are still protected – most regular policies only cover offspring up to the age of 21, provided they are in full time education. However, some providers offer an add-on which covers children up to 23, regardless of their student status. You may also need higher cover if you need to insure stepchildren or adopted children.

 

Get in touch

We understand that it isn’t always easy to talk about sensitive matters such as your health. We can guide you through the process and help you decide if your critical illness cover is suitable.

 

As with all insurance policies, conditions and exclusions will apply 

 

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