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Do I need Critical Illness Insurance cover?
When it comes to health, you can’t always know what is going to happen, however you can make sure you are financially prepared if anything does. Being struck with an illness can mean that your finances are immediately affected, particularly if you are no longer able to work.
Expenses that you would need to cover if you were critically ill and couldn’t work, such as rent, mortgages or general bills, can be covered by critical illness insurance, helping to take away any financial worries while you are recovering or having treatment.
Government benefits might not be sufficient to replace your income if you do fall ill and cannot work because of long-term sickness or injuries. If you are eligible, Employment and Support Allowance ranges from around £70 to just over £100 a week, depending on your circumstances and the seriousness of your illness or disability.
Therefore, you should look to get critical illness cover if you do not have the savings to tide you over, if you do by chance become seriously ill or disabled.