Critical Illness cover works in a similar way to Life Insurance. It is designed to pay out a lump sum if the insured suffers one of a list of illnesses in during the term of the policy. These illnesses are defined at the start of the policy and include things such as serious cancers, stroke or heart attack. The policy can be set up to cover a mortgage or may be to provide family protection

Income Protection policies pay out an income to the insured in the event that they become incapacitated from work as a result of injury or illness. You have to wait until the end of the initial deferred period. The policy will then pay out until you return to work or the policy reaches it’s end. These policies can provide real peace of mind for the client and their family.

You can find information here about Private Medical Insurance.