Life Insurance UK

Difference between Critical Illness and Terminal Illness Insurance

Understand the Difference between Critical Illness and Terminal Illness Insurance
Ans: With 1 in 5 men and 1 in 6 women suffering a type of critical illness before they are old enough to retire, it is important that you understand what critical illness coverage is. This type of coverage is and how it is different from that for terminal illness.

With the terminal illness coverage you will find that a payout occurs if you are diagnosed with a terminal illness. A doctor has to determine that you have less than 12 months to live. The funds would be payout immediately so that you can use them for your medical care, debt, or other needs. You can’t get this type of coverage by itself though. It is only offered as an addition to another type of life insurance policy that you may purchases.

What you will often come across though is that terminal illness coverage is added as a free benefit when you purchase life insurance and critical illness coverage. The coverage with the critical care part of the policy is for those that may suffer from an illness or injury but that won’t be diagnosed as dying in the next 12 months.

There are many serious medical problems that can occur such as kidney problems or a heart attack. You can even end up blind but that doesn’t mean you won’t live for may more years. However, these types of medical problems are serious enough that you would likely not be able to return to your job. Critical illness insurance is able to payout immediately when such a long term medical concern is present.

One of these things must be present for there to be a payout:

  • You must have a serious medical problem or chronic illness
  • OR have some type of terminal illness
  • OR require a serious operation for one of the serious medical conditions
  • OR you have a condition that prevents you from being able to work permanently

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