Critical Illness

Critical illnesses are defined as long-term, severe conditions.

There are three core conditions that the majority of critical illness policies cover:

• cancer,
• heart attack, and
• stroke.

Nowadays insurers include such added benefits as are kidney failure, Parkinson’s Disease, Multiple Sclerosis, Alzheimer’s Disease, and major surgeries such as brain surgery and coronary artery bypass surgery.

Unfortunately there are many fraudulent claims with this kind of cover, where people sense or know they have some developing issue BEFORE they take the cover, so do not be surprised to find that any claim one makes in the first 2 years of having cover, will be closely examiend by the insurer.