Critical illness
Critical illness cover (CIC) pays out a lump sum if you are diagnosed with certain illnesses. The illnesses covered will be specified in the policy along with any exclusions – these differ between insurers so it’s vital to check the cover before deciding on a particular policy. Critical Illness policies can usually be taken out to cover one person or as a joint policy to cover two people.
Critical Illness cover can often be combined with life cover to give a lower monthly premium than taking out two separate policies.
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