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This is a UK Life Insurance Policy which covers you should you be diagnosed with a critical illness which prevents you from working.
This cover allows you to pay of your mortgage and any debts / liabilities you have outstanding and can also be used to pay for any specialist medical care you may require.
What critical illnesses that are covered varies dependent upon each insurance company but all UK insurers are obliged to cover the ABI (Association of British Insurers) conditions which are:
Alzhemiers, Aorta Graft Surgery, Benign brain Tumour, Blindness, loss of speech, Multiple Scelerosis, Parkinsons, Advanced Cancers, Deafness, Loss of Hands or Feet, Coma, Stroke, Paralysis of Limbs, Major Organ Transplant, Kidney failure, Heart Attack, Third Degree Burns, Terminal Illness, Traumatic Head Injury, Heart Valve Replacement and Coronary Artery Bypass Grafts.
Many UK Insurance companies cover extra critical illnesses to those listed above but again this varies dependent upon each insurance company.
Here in the UK there are many different types of Critical Illness Cover which are explained further on our in our Critical Illness Insurance page.
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