What companies define as a critical illness can vary. Policies commonly cover heart conditions, some forms of cancer or kidney/liver failure. Other conditions that could be classed as critical illness include:
- Major organ transplant
- Parkinson's disease
- Traumatic head injury
- Bacterial meningitis
This list isn't exhaustive, and not all companies will cover all of these, so it's important to check policy details to see the full list of illnesses covered.
Being diagnosed with a critical illness is a life-changing ordeal, you may have to give up work completely and need round-the-clock care. Having cover in place, means if you're diagnosed with a critical illness covered under your insurance plan, you could make a claim. Any money paid out from a critical illness claim could be used to help maintain your standard of living, and if needed, pay for healthcare.