{"id":950,"date":"2021-08-16T18:09:55","date_gmt":"2021-08-16T17:09:55","guid":{"rendered":"https:\/\/www.protectline.co.uk\/blog\/?p=950"},"modified":"2022-08-08T15:57:45","modified_gmt":"2022-08-08T14:57:45","slug":"how-much-critical-illness-cover-do-i-need","status":"publish","type":"post","link":"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/","title":{"rendered":"How much critical illness cover do I need?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Page Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a08f6b121571\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #f47422;color:#f47422\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #f47422;color:#f47422\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a08f6b121571\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/#How_much_critical_illness_do_you_really_need\" >How much critical illness do you really need?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/#What_Is_Critical_Illness_Cover\" >What Is Critical Illness Cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/#How_can_you_work_out_the_amount_of_critical_illness_cover_you_need\" >How can you work out the amount of critical illness cover you need?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/#Whats_the_right_amount_of_critical_illness_cover_for_me\" >What&#8217;s the right amount of critical illness cover for me?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/#How_much_does_critical_illness_cover_cost\" >How much does critical illness cover cost?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/#Its_important_to_consider_the_difference_between_short_term_and_long-term_illnesses\" >It\u2019s important to consider the difference between short term and long-term illnesses<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/#What_about_income_protection_cover\" >What about income protection cover?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/#Should_life_insurance_and_critical_illness_cover_amounts_be_different\" >Should life insurance and critical illness cover amounts be different?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/#Accelerated_Critical_Illness_insurance\" >Accelerated Critical Illness insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/#Additional_Critical_Illness_insurance\" >Additional Critical Illness insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/#Buy_Back_Option\" >Buy Back Option<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/#Is_terminal_illness_benefit_the_same_as_critical_illness_cover\" >Is terminal illness benefit the same as critical illness cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/#Are_my_children_covered_if_I_choose_to_add_Critical_Illness_Cover\" >Are my children covered if I choose to add Critical Illness Cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/#What_critical_illnesses_are_covered_under_my_policy\" >What critical illnesses are covered under my policy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/#How_do_I_make_sure_my_critical_illness_policy_will_pay_out\" >How do I make sure my critical illness policy will pay out?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/#What_happens_to_my_life_insurance_if_I_claim_on_my_critical_illness_policy\" >What happens to my life insurance if I claim on my critical illness policy?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/#Should_I_consider_life_insurance_with_critical_illness_cover\" >Should I consider life insurance with critical illness cover?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_much_critical_illness_do_you_really_need\"><\/span>How much critical illness do you really need?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>Life insurance is about leaving money behind so your loved ones do not suffer when you pass away. Critical illness is designed to help you protect your loved ones from financial suffering if you&#8217;re ever seriously ill.<\/strong><\/p>\n<p>If you&#8217;re reading this article, you probably already know the benefits of critical illness cover, but you&#8217;re not yet sure how much critical illness cover you need.<\/p>\n<p>Let&#8217;s start by saying critical illness is more expensive than life cover and the reason is simple. <strong>You are much more likely to claim on critical illness insurance<\/strong>, but more on that later.<\/p>\n<p>Choosing an amount of cover that suits your needs may result in a monthly premium that exceeds what&#8217;s realistic when you consider your other financial commitments. So we&#8217;ve compiled a few pointers to help you decide how much cover you really need.<\/p>\n<p><img loading=\"lazy\" class=\"aligncenter wp-image-953 size-large\" src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/07\/stressed-young-woman-visiting-sick-man-in-hospital-JET3VRZ-1-1024x683.jpg\" alt=\"man in hospital suffering from a critical illness. woman by his bedside looks stressed\" width=\"1024\" height=\"683\" srcset=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/07\/stressed-young-woman-visiting-sick-man-in-hospital-JET3VRZ-1-1024x683.jpg 1024w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/07\/stressed-young-woman-visiting-sick-man-in-hospital-JET3VRZ-1-300x200.jpg 300w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/07\/stressed-young-woman-visiting-sick-man-in-hospital-JET3VRZ-1-1536x1025.jpg 1536w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/07\/stressed-young-woman-visiting-sick-man-in-hospital-JET3VRZ-1-2048x1367.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Is_Critical_Illness_Cover\"><\/span><strong>What Is Critical Illness Cover?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>A critical illness insurance policy is designed to pay out a lump-sum if you are diagnosed with a specified illness during the policy term.<\/p>\n<p>Let&#8217;s clear up a few bits of jargon to help:<\/p>\n<ul>\n<li><strong>Policy Term:\u00a0<\/strong>The length of time you wish to be covered for. The longer you wish for the cover to run, the more likely you are to claim, so the higher the price.<\/li>\n<li><strong>Specified Illness:\u00a0<\/strong>Each insurance provider has their own list of illnesses that they will pay out for. All of them include Cancer, Heart Attack and Stroke. Some also payout for conditions such as Multiple Sclerosis, Third-Degree Burns, Major Organ Transplants and Comas, however, each also has their own definition of each illness. For instance, some minor forms of cancer are not covered by all insurers. It\u2019s important to check your documents to understand exactly what specified illnesses are covered by your insurer.<\/li>\n<li><strong>Cover Amount \/ Sum Assured:\u00a0<\/strong>These both mean the same thing. It&#8217;s simply the amount of money that will be paid out upon a successful claim.<\/li>\n<\/ul>\n<p>Receiving a lump sum if you are diagnosed with a life-changing illness can ensure you and your family have one less thing to worry about. It&#8217;s a form of financial security that will give you options and lessen any financial impact on your family.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_can_you_work_out_the_amount_of_critical_illness_cover_you_need\"><\/span><strong>How can you work out the amount of critical illness cover you need?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>You may need to grab a calculator to help with this question. To effectively work out the true impact of a critical illness diagnosis, there&#8217;s a number of factors to consider.<\/p>\n<p><strong>\u00a0Start by adding up:<\/strong><\/p>\n<ul>\n<li>Your mortgage balance or total rent cost over the policy term<\/li>\n<li>Total of any Loans or Credit Cards you\u2019re paying off over time<\/li>\n<li>Childcare or any other costs for your dependants<\/li>\n<li>Standard bills: gas, electricity and water, council tax, car insurance and home insurance<\/li>\n<li>Any medical expenses from adapting your home or travelling to hospital for treatment (including parking), or private medical care<\/li>\n<li>General living expenses, including food, household goods, travel expenses and clothes, etc.<\/li>\n<\/ul>\n<p><strong>Adding all of this up is not easy, but give it a go. It&#8217;s surprising how fast it adds up.<\/strong><\/p>\n<p><strong>Once you know what you\u2019d need to cover, and you\u2019ve added it all up, then consider if:<\/strong><\/p>\n<ul>\n<li>You have any savings or investments you could dip into or use<\/li>\n<li>You\u2019d be eligible for benefits, like Employment Support Allowance or similar government incapacity benefits<\/li>\n<li>Any employee benefits that cover a longer time off work because of sickness (also consider if you were to move companies, are they likely to have similar benefits?)<\/li>\n<li>Any existing protection policies you may have.<\/li>\n<\/ul>\n<p>Once you&#8217;ve completed this exercise, you should have a rough idea of your &#8220;ideal&#8221; cover level. If you&#8217;re still in doubt, it may be worth speaking to a non-advised, fee-free whole of market<sup>[1]<\/sup> broker. Being &#8220;non advised&#8221; means the broker is compelled to listen to your needs, explain all of your options and let you decide what&#8217;s best.<\/p>\n<p>Often, our level of cover will need to align with our monthly budget. If you decide to speak to a broker, they can help you find an exact level of cover that&#8217;s affordable.<\/p>\n<h3><img loading=\"lazy\" class=\"aligncenter wp-image-954 size-large\" src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/07\/cropped-view-of-risk-manager-protecting-house-mode-AXKFRJB-1-1024x684.jpg\" alt=\"illustration of critical illness insurance as a pair of hands protect a model house form 2 rows of dominos \" width=\"1024\" height=\"684\" srcset=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/07\/cropped-view-of-risk-manager-protecting-house-mode-AXKFRJB-1-1024x684.jpg 1024w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/07\/cropped-view-of-risk-manager-protecting-house-mode-AXKFRJB-1-300x200.jpg 300w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/07\/cropped-view-of-risk-manager-protecting-house-mode-AXKFRJB-1.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"Whats_the_right_amount_of_critical_illness_cover_for_me\"><\/span><strong>What&#8217;s the right amount of critical illness cover for me?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>You need to consider how badly a critical illness would impact you financially. What support could you rely on? Whether you&#8217;re single or have lots of people that financially depend on you, critical illness could be a good fit. It&#8217;s important to ensure that any cover level you choose is realistically affordable for the long term. It makes no sense to over commit yourself financially and then end up cancelling your protection.<\/p>\n\n    <div class=\"c-inline-cta c-inline-cta--rainbow\">\n        <div class=\"c-inline-cta__inner\">\n            <div class=\"c-inline-cta__copy\">\n                <h4 class=\"c-inline-cta__title\">Get a free life insurance quote today<\/h4>\n                <a href=\"https:\/\/www.protectline.co.uk\/protect-my-family\/\" class=\"is-journey-button c-button c-inline-cta__button\">Get a free quote<\/a>\n            <\/div>\n            <img src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/themes\/protectlinerebrand\/img\/family-blue-circle.png\" alt=\"Family illustration\">\n        <\/div>\n    <\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_much_does_critical_illness_cover_cost\"><\/span><strong>How much does critical illness cover cost?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The price depends on a number of factors. Your age when you take cover, how long you take it for, how much cover you want, your medical history (including pre-existing medical conditions), lifestyle, smoking or <a href=\"https:\/\/www.protectline.co.uk\/blog\/vape-friendly-life-insurance\/\">vaping<\/a>, BMI and cover type all have an effect.<\/p>\n<p>Speaking to a financial advisor or broker will give you the opportunity to compare different policy types and different insurance companies.<\/p>\n<p>To help give you a ballpark figure, we&#8217;ve included an illustration of some quotes below*:<\/p>\n<table>\n<tbody>\n<tr>\n<td><strong>Amount<\/strong><\/td>\n<td><strong>Cover<\/strong><\/td>\n<td><strong>Term<\/strong><\/td>\n<td><strong>Basis<\/strong><\/td>\n<td><strong>Premium<\/strong><\/td>\n<\/tr>\n<tr>\n<td>\u00a3250,000<\/td>\n<td>Life Only<\/td>\n<td>25 Years<\/td>\n<td>Level<\/td>\n<td>\u00a310.89<\/td>\n<\/tr>\n<tr>\n<td>\u00a3250,000<\/td>\n<td>Critical Illness<\/td>\n<td>25 Years<\/td>\n<td>Level<\/td>\n<td>\u00a3112.79<\/td>\n<\/tr>\n<tr>\n<td>\u00a3250,000<\/td>\n<td>Life + Critical Illness<\/td>\n<td>25 Years<\/td>\n<td>Level<\/td>\n<td>\u00a3115.18<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><sub>*Quotes generated using Iress on 30\/06\/2021 for a male non-smoker who is 33 years old.<\/sub><\/p>\n<p>You&#8217;ll note that the life and critical illness quote is over ten times the amount of life cover alone. While that may look expensive, it illustrates how much more likely you are to claim on critical illness than life insurance alone.<\/p>\n<p>A broker can tailor make a policy for you. For example, if you need \u00a3250k to cover your mortgage but you only want \u00a325k of Critical Illness they can do this.<\/p>\n<p>Many people believe it&#8217;s better to have some cover than no cover. Imagine if you had to have a year off work. \u00a325,000 may pay the mortgage and bills for that period. It could give you a well-deserved break and help you recover.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Its_important_to_consider_the_difference_between_short_term_and_long-term_illnesses\"><\/span>It\u2019s important to consider the difference between short term and long-term illnesses<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Critical illness cover will not cover a sniffle or a week off work. It\u2019s designed for the type of diagnosis that could have a lasting or long-term impact on your life. You may choose to consider savings or income protection cover for shorter term on critical illnesses.<\/p>\n<p><img loading=\"lazy\" class=\"aligncenter wp-image-959 size-large\" src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/07\/happy-piggy-bank-with-glasses-isolated-on-white-ba-MK9H6WQ-1-1024x683.jpg\" alt=\"Piggy bank with glasses illustrating income protection\" width=\"1024\" height=\"683\" srcset=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/07\/happy-piggy-bank-with-glasses-isolated-on-white-ba-MK9H6WQ-1-1024x683.jpg 1024w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/07\/happy-piggy-bank-with-glasses-isolated-on-white-ba-MK9H6WQ-1-300x200.jpg 300w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/07\/happy-piggy-bank-with-glasses-isolated-on-white-ba-MK9H6WQ-1.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_about_income_protection_cover\"><\/span>What about income protection cover?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Often, income protection is compared to critical illness insurance. Both are very different insurances but arguably some parts of the products work in similar ways. Income protection tends to be a more expensive option but instead of providing a lump sum, it pays you a monthly income. It also usually has a waiting period before you can make a claim (between 1 to 12 months). Income protection policies also have a limit on how long they&#8217;ll pay out for (2 years to retirement).<\/p>\n<p>Both types of policy provide different levels of protection. There are <a href=\"https:\/\/www.protectline.co.uk\/blog\/critical-illness-insurance-pros-and-cons\/\">pros and cons to critical illness<\/a>, just like any form of protection. <sup>[2]<\/sup><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Should_life_insurance_and_critical_illness_cover_amounts_be_different\"><\/span>Should life insurance and critical illness cover amounts be different?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>There are two ways you can buy critical illness cover with a life insurance policy:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Accelerated_Critical_Illness_insurance\"><\/span>Accelerated Critical Illness insurance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Accelerated cover is the cheapest and most common form of critical illness. If you claim on the critical illness element, your life cover will cease too. You may struggle to buy new life insurance after a critical illness, so it&#8217;s worth considering what you may do with the payment and if you may need some additional life insurance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Additional_Critical_Illness_insurance\"><\/span>Additional Critical Illness insurance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A far lesser known option than accelerated. Additional cover is exactly what it says on the tin. If you claim for a critical illness, then you&#8217;ll still have the same value left to claim on again for life cover.<\/p>\n<p>It&#8217;s common for people to have an accelerated policy with different amounts of life and critical illness. For example, you could have \u00a3250,000 of mortgage life insurance with \u00a310,000 of critical illness. Although, if the critical illness is accelerated, the life cover may not cover the mortgage if you need to claim on the critical illness. Here it could make sense to either increase the amount of cover, take a standalone life and critical illness policy of change the critical illness element to &#8220;additional&#8221;.<\/p>\n<p>Always ensure your broker or life insurance adviser clearly explains what happens to your life insurance sum assured if you claim on the critical illness.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Buy_Back_Option\"><\/span>Buy Back Option<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A few insurance companies also offer a service called &#8220;buy back&#8221;. With this option, you can choose to re-purchase any lost life insurance because of a critical illness claim. The advantage is your cover is guaranteed (subject to the insurers&#8217; typical terms) which means there won&#8217;t be any further medical underwriting. They will simply base the price upon your age and your health when you first took your policy.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Is_terminal_illness_benefit_the_same_as_critical_illness_cover\"><\/span>Is terminal illness benefit the same as critical illness cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>No. Terminal illness benefit is typically something that comes with a life insurance or critical illness policy. Unlike critical illness insurance, terminal illness will only payout if a doctor gives you less than 12 or 18 months to live. This benefit then gives you the option of claiming your life insurance early (while you&#8217;re still alive). Alternatively, critical illness pays out a lump sum on diagnosis of a condition even if there&#8217;s a chance of you surviving the illness. <sup>[3]<\/sup><\/p>\n<p><img loading=\"lazy\" class=\"aligncenter wp-image-955 size-large\" src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/07\/teddy-bear-wearing-protective-medical-mask-on-yell-QDQR9GG-1-1024x768.jpg\" alt=\"teddy bear wearing a surgical mask with a yellow background \" width=\"1024\" height=\"768\" srcset=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/07\/teddy-bear-wearing-protective-medical-mask-on-yell-QDQR9GG-1-1024x768.jpg 1024w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/07\/teddy-bear-wearing-protective-medical-mask-on-yell-QDQR9GG-1-300x225.jpg 300w, https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/07\/teddy-bear-wearing-protective-medical-mask-on-yell-QDQR9GG-1.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Are_my_children_covered_if_I_choose_to_add_Critical_Illness_Cover\"><\/span>Are my children covered if I choose to add Critical Illness Cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Most insurers now offer children&#8217;s critical illness cover. Some offer it as a paid option, while others include it for no additional cost. Typically, insurers will payout a lump sum equal to a set percentage of your critical illness up to a capped amount. For instance, at the time of writing, this is 50% of the value of your policy or \u00a325,000 (whichever is lower) for Aviva policy holders.<\/p>\n<p>Children&#8217;s conditions often vary a little to the ones adults are insured for. Always check your documents carefully to ensure you know exactly what you&#8217;re paying for. Your insurance company may also include an additional <a href=\"https:\/\/www.protectline.co.uk\/blog\/children-funeral-life-insurance\/\">payout for children&#8217;s funerals<\/a>.<\/p>\n<p>Any payments made for children&#8217;s critical illness are not normally taken out of the insured amount for the adult. This means that if you should have to make a claim and you could then make a further claim in the future for yourself.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_critical_illnesses_are_covered_under_my_policy\"><\/span>What critical illnesses are covered under my policy?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>All insurers have their own list of specified illnesses and illness definitions that they will payout for. The vast majority of claims are for <strong>Cancer, Heart Attacks and Strokes<\/strong>. Multiple Sclerosis also makes up a large percentage of young adult claims.<\/p>\n<p>Insurance companies may cover other medical conditions, such as:<\/p>\n<ul>\n<li>Alzheimer\u2019s<\/li>\n<li>Aorta graft surgery<\/li>\n<li>Benign brain tumour<\/li>\n<li>Blindness<\/li>\n<li>Coma<\/li>\n<li>Coronary artery by-pass surgery<\/li>\n<li>Deafness<\/li>\n<li>Heart valve replacement or repair<\/li>\n<li>Kidney failure<\/li>\n<li>Loss of hand or foot<\/li>\n<li>Loss of speech<\/li>\n<li>Major organ transplant<\/li>\n<li>Motor neurone disease<\/li>\n<li>Multiple sclerosis<\/li>\n<li>Paralysis of limbs<\/li>\n<li>Parkinson\u2019s disease<\/li>\n<li>Third-degree burns<\/li>\n<li>Traumatic brain injury<\/li>\n<li>Total Permanent Disability<\/li>\n<li>And more&#8230;<\/li>\n<\/ul>\n<p>In recent years, some insurers have battled to grab headlines for insuring the highest number of critical illnesses. Sensibly insurers are now working towards simplifying their policies and ensuring they are adding the right value for customers.<\/p>\n<p>The Association of British Insurers (ABI) set out minimum standards for critical illness definitions. When you read insurer documentation, you&#8217;ll notice they mark some conditions as &#8220;ABI&#8221; meaning they at least meet the ABI definition. Insurers can extend their definition to a more generous level, which the ABI classifies as ABI+.<\/p>\n<p>If you carefully read this documentation, you&#8217;ll notice subtle differences between insurers. Try to not get too bogged down in the quantity of illnesses covered. The vast majority of claims are for the top 3 or 4 mentioned above <sup>[4]<\/sup>.<\/p>\n\n    <div class=\"c-inline-cta c-inline-cta--rainbow\">\n        <div class=\"c-inline-cta__inner\">\n            <div class=\"c-inline-cta__copy\">\n                <h4 class=\"c-inline-cta__title\">Get a free life insurance quote today<\/h4>\n                <a href=\"https:\/\/www.protectline.co.uk\/protect-my-family\/\" class=\"is-journey-button c-button c-inline-cta__button\">Get a free quote<\/a>\n            <\/div>\n            <img src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/themes\/protectlinerebrand\/img\/family-blue-circle.png\" alt=\"Family illustration\">\n        <\/div>\n    <\/div>\n<div>\n<h2><span class=\"ez-toc-section\" id=\"How_do_I_make_sure_my_critical_illness_policy_will_pay_out\"><\/span>How do I make sure my critical illness policy will pay out?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><a href=\"https:\/\/www.protectline.co.uk\/blog\/do-critical-illness-policies-pay-out\">90%+ of critical illness insurance claims are paid out.<\/a> Claims that are declined are typically as a result of non-disclosure. This happens when you accidentally or deliberately misinform an insurer about your health or lifestyle during the application process.<\/p>\n<p>In 2012, the <a href=\"http:\/\/www.legislation.gov.uk\/ukpga\/2012\/6\/contents\/enacted\">Consumer Insurance (Disclosure and Representations) Act<\/a> was passed. Since this point, it has been the insurers&#8217; responsibility to ask the questions they need to appropriately underwrite a policy. Providing you answer all of their questions accurately and carefully, the only reason your policy would not pay out would be if you were to claim for something that does not meet your insurers&#8217; illness definition.<\/p>\n<p>Sometimes it&#8217;s easier to jot down your pre-existing conditions and medication before speaking to a critical illness expert.<\/p>\n<p>It&#8217;s important to note, you must keep up your monthly payments until your claim is accepted. Failure to do so may invalidate your claim. Ask your broker to explain &#8220;Waiver of premium&#8221; if you are concerned with keeping up your payments due to illness or injury.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_happens_to_my_life_insurance_if_I_claim_on_my_critical_illness_policy\"><\/span>What happens to my life insurance if I claim on my critical illness policy?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When you claim on your critical illness policy, you will receive a tax-free lump sum<sup>[5]<\/sup>. If you&#8217;ve chosen an accelerated policy, then your payments and cover will end. Alternatively, if you&#8217;ve chosen an additional cover policy, then your premiums will continue for the life insurance element of your cover.<\/p>\n<p>If you&#8217;ve chosen a &#8220;buy back&#8221; option, there is usually a period you need to wait before they will offer your life cover back to you.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Should_I_consider_life_insurance_with_critical_illness_cover\"><\/span>Should I consider life insurance with critical illness cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Check out our <a href=\"https:\/\/www.protectline.co.uk\/blog\/best-life-insurance-companies\/\">Ultimate Guide to Life Insurance<\/a> for more information on Life Insurance.<\/p>\n<p>&nbsp;<\/p>\n\n    <div class=\"c-inline-cta c-inline-cta--rainbow\">\n        <div class=\"c-inline-cta__inner\">\n            <div class=\"c-inline-cta__copy\">\n                <h4 class=\"c-inline-cta__title\">Get a free life insurance quote today<\/h4>\n                <a href=\"https:\/\/www.protectline.co.uk\/protect-my-family\/\" class=\"is-journey-button c-button c-inline-cta__button\">Get a free quote<\/a>\n            <\/div>\n            <img src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/themes\/protectlinerebrand\/img\/family-blue-circle.png\" alt=\"Family illustration\">\n        <\/div>\n    <\/div>\n<\/div>\n<p>All statistics and sources correct at the time of posting. Sources for data include:<\/p>\n<p>[1] Protect Line use a panel of insurers to help you to find cover that is suitable for your needs. Protect Line may not have access to all insurers on the market. Protect Line can only offer you prices from insurers on their panel.<\/p>\n<p>[2] Protect Line do not offer any advice on any product. Income protection may be suitable for your needs. If you are unsure of what product may suit you best, please seek financial advice.<\/p>\n<p>[3] Terminal Illness benefit is often included with both life insurance and critical illness policies. Please read your documentation carefully to ensure you know what you are covered for.<\/p>\n<p>[4] Claim Stats from Legal and General in 2020 shows the top 3 conditions as: Cancer-64%, Heart Related-13%, Stroke-7%. 84% of claims paid in 2020 were for these 3 conditions. https:\/\/www.legalandgeneral.com\/landg-assets\/adviser\/files\/protection\/_resources\/documents\/critical-illness\/ci-guide-w13802.pdf<\/p>\n<p>[5] HMRC do not currently treat Critical illness payouts as income (<a href=\"https:\/\/www.gov.uk\/hmrc-internal-manuals\/insurance-policyholder-taxation-manual\/iptm6010\">https:\/\/www.gov.uk\/hmrc-internal-manuals\/insurance-policyholder-taxation-manual\/iptm6010<\/a>). If you pass away before spending your payout it will form part of your estate and will be taxed accordingly. Taxation policies change from time to time. Please refer any taxation questions to a qualified accountant or to the HRMC.<\/p>\n\n    <div class=\"c-inline-cta c-inline-cta--rainbow\">\n        <div class=\"c-inline-cta__inner\">\n            <div class=\"c-inline-cta__copy\">\n                <h4 class=\"c-inline-cta__title\">Get a free life insurance quote today<\/h4>\n                <a href=\"https:\/\/www.protectline.co.uk\/protect-my-family\/\" class=\"is-journey-button c-button c-inline-cta__button\">Get a free quote<\/a>\n            <\/div>\n            <img src=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/themes\/protectlinerebrand\/img\/family-blue-circle.png\" alt=\"Family illustration\">\n        <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>How much critical illness do you really need? Life insurance is about leaving money behind so your loved ones do not suffer when you pass away. Critical illness is designed to help you protect your loved ones from financial suffering if you&#8217;re ever seriously ill. If you&#8217;re reading this article, you probably already know the [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":952,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[41],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.4 (Yoast SEO v19.13) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How much critical illness cover do I need? - Protect Line Life Insurance<\/title>\n<meta name=\"description\" content=\"Find out how much critical illness you really need! Check out our easy to understand critical illness cover guide.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How much critical illness cover do I need?\" \/>\n<meta property=\"og:description\" content=\"Find out how much critical illness you really need! Check out our easy to understand critical illness cover guide.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/\" \/>\n<meta property=\"og:site_name\" content=\"Protect Line Life Insurance\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ProtectLine\/pages_feed\/\" \/>\n<meta property=\"article:published_time\" content=\"2021-08-16T17:09:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-08-08T14:57:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.protectline.co.uk\/blog\/wp-content\/uploads\/2021\/07\/side-view-of-smiling-grandmother-and-granddaughter-5GU5CC8-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1201\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Chris Reed\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@ProtectLineIns\" \/>\n<meta name=\"twitter:site\" content=\"@ProtectLineIns\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Chris Reed\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"12 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/\"},\"author\":{\"name\":\"Chris Reed\",\"@id\":\"https:\/\/www.protectline.co.uk\/blog\/#\/schema\/person\/66b1d24ad5fb37ac710c4e8723c1867d\"},\"headline\":\"How much critical illness cover do I need?\",\"datePublished\":\"2021-08-16T17:09:55+00:00\",\"dateModified\":\"2022-08-08T14:57:45+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/\"},\"wordCount\":2489,\"publisher\":{\"@id\":\"https:\/\/www.protectline.co.uk\/blog\/#organization\"},\"articleSection\":[\"Critical Illness Insurance\"],\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/\",\"url\":\"https:\/\/www.protectline.co.uk\/blog\/how-much-critical-illness-cover-do-i-need\/\",\"name\":\"How much critical illness cover do I need? - Protect Line Life Insurance\",\"isPartOf\":{\"@id\":\"https:\/\/www.protectline.co.uk\/blog\/#website\"},\"datePublished\":\"2021-08-16T17:09:55+00:00\",\"dateModified\":\"2022-08-08T14:57:45+00:00\",\"description\":\"Find out how much critical illness you really need! 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