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Critical illness cover

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By *ools and the brain OP   Couple
10 weeks ago

couple, us we him her.

I'll put this in here rather than lounge.

So just in the process of getting a new life insurance policy.

But adding critical illness is expensive and not sure if it's worth it BUT I don't get sick pay at work so a long term illness could prove costly.

I had a policy many years ago and when I tried to claim because of a back injury they wouldn't pay out.

Once bitten twice shy and all that...

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By (user no longer on site)
10 weeks ago

Sound more like you need an income protection policy to plug the gap of having no sick pay.

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By *ustamanMan
10 weeks ago

weymouth

Insurance is always a gamble and generally weighted against you. I too looked at critical illness cover and decided to risk it as it was stupidly expensive. I do have a fixed term life policy that pays out if diagnosed with a terminal illness - wonder if I can claim after all life is terminal

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By *usie pTV/TS
9 weeks ago

taunton

You can be fairly sure the insurance company is going to collect more in than they ever pay out, I would not expect a back injury to be covered by critical illness even if it feels critical when you have it, it is for things like heart attack cancer etc.

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By *lan157Man
9 weeks ago

a village near Haywards Heath in East Sussex

Be careful of any policy that pays out if you are unable to work because if the cover does not cover everything you pay for then how do you pay ? You are driven back to doing something you can manage and in which case some policies will cease to pay out. Not saying it's wrong just be careful.

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By *abioMan
8 weeks ago

Newcastle and Gateshead


"I'll put this in here rather than lounge.

So just in the process of getting a new life insurance policy.

But adding critical illness is expensive and not sure if it's worth it BUT I don't get sick pay at work so a long term illness could prove costly.

I had a policy many years ago and when I tried to claim because of a back injury they wouldn't pay out.

Once bitten twice shy and all that..."

I felt exactly the same way….. until I had pneumonia, which was further compounded by fluid in the lungs … 3 weeks in hospital, 4 months total off work…. Probably about 9 months to get all the way back

I think it’s one of those where I was lucky and because I come from a medical family ( but I’m not the medical one) they were the ones to shoot a million questions.. also good to find a really patient IFA who will take you through absolutely everything

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By *hristopherd999Man
8 weeks ago

Brentwood

Every insurance company would try everything not to pay out a claim

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By *ensualtongue2023Man
8 weeks ago

furnace

I’ve not found a company willing to give me life insurance yet

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By *ent in BlackMan
8 weeks ago

Silsden


"Sound more like you need an income protection policy to plug the gap of having no sick pay."

I was going to suggest the same.

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By *ools and the brain OP   Couple
8 weeks ago

couple, us we him her.


"Sound more like you need an income protection policy to plug the gap of having no sick pay.

I was going to suggest the same."

Yeah unfortunately I have a few pre existing medical conditions that will probably mean cover is ridiculously expensive.

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By *6ilMan
7 weeks ago

Milnthorpe

I had critical illness cover and needed it, in my experience they where awful at paying up, tried very hard to get out of paying up (predisclosed and accepted details then became reasons not to pay up). I had to do my own research and have a very helpful GP.

So briefly yes it's worth having but expect a fight.

Disclaimer - this was my experience, maybe it's all changed.

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By *rHotNottsMan
7 weeks ago

Dubai & Nottingham


"I'll put this in here rather than lounge.

So just in the process of getting a new life insurance policy.

But adding critical illness is expensive and not sure if it's worth it BUT I don't get sick pay at work so a long term illness could prove costly.

I had a policy many years ago and when I tried to claim because of a back injury they wouldn't pay out.

Once bitten twice shy and all that..."

Critical illness on a life policy won’t pay for a back injury , they only pay if you are given months to live. But you can get employment protection policies that do. I

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By *ittlemissFlirtyCouple
6 weeks ago

Southampton


"I'll put this in here rather than lounge.

So just in the process of getting a new life insurance policy.

But adding critical illness is expensive and not sure if it's worth it BUT I don't get sick pay at work so a long term illness could prove costly.

I had a policy many years ago and when I tried to claim because of a back injury they wouldn't pay out.

Once bitten twice shy and all that..."

A colleague at work took out critical illness cover... a year or so later his wife was diagnosed with cancer... sadly she passed away but the payout from the insurance was enough to pay off their mortgage...

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By *ommy2125Man
6 weeks ago

newport

Have insurance, my son hot cancer and was able to take time off to care for him. You don't need it until you need it.

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By *ovinglife!40Man
6 weeks ago

Hinckley


"I'll put this in here rather than lounge.

So just in the process of getting a new life insurance policy.

But adding critical illness is expensive and not sure if it's worth it BUT I don't get sick pay at work so a long term illness could prove costly.

I had a policy many years ago and when I tried to claim because of a back injury they wouldn't pay out.

Once bitten twice shy and all that..."

If it didn't pay out, then you weren't covered.

The terms are clearly outlined in the initial documents.

Back injury is not a critical illness, and it is definitely not a replacement for sick pay.

Best thing you can do is take proper professional advice from a qualified financial adviser.

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By *erry bull1Man
6 weeks ago

doncaster

I had a health insurance policy with critical ill ness , when I was diagnosed with cancer , the company were very helpful and paid out no problem

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By *ineapple_turnoverCouple
6 weeks ago

London

It's worth looking at income protection rather than just critical illness if you don't get sick pay.

Income protection will cover you for many more reasons why you can't work which aren't covered under the other.

As with all kinds of insurance if you don't need it, it's a waste of money, but if you do...

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By *enelope2UWoman
6 weeks ago

Fife


"I'll put this in here rather than lounge.

So just in the process of getting a new life insurance policy.

But adding critical illness is expensive and not sure if it's worth it BUT I don't get sick pay at work so a long term illness could prove costly.

I had a policy many years ago and when I tried to claim because of a back injury they wouldn't pay out.

Once bitten twice shy and all that..."

Back pain isn't a critical illness so I'd suggest reading policies and understanding terminology. You need what's called income protection coverage not critical illness.

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By *ularliWoman
6 weeks ago

Worcester


"I'll put this in here rather than lounge.

So just in the process of getting a new life insurance policy.

But adding critical illness is expensive and not sure if it's worth it BUT I don't get sick pay at work so a long term illness could prove costly.

I had a policy many years ago and when I tried to claim because of a back injury they wouldn't pay out.

Once bitten twice shy and all that..."

I know people that have been diagnosed with cancer and been able to get a payout from critical illness.

Not a terminal diagnosis either.

I wish I had had it when I had mine but at 34 I didn’t think I’d get ill.

I still can’t get life insurance for another 2 years.

Although it costs more each month I would go for it.

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By *hatsWhatCoupleCouple
6 weeks ago

Northampton

OP, consider some independent advice. Insurance isn’t for everyone.

What and who are you trying to provide protection for? What is your age, medical history? What is your family history? What is your financial status?

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By *luebell888Woman
6 weeks ago

Glasgowish

I have had critical illness cover for years. Hopefully I won't need it but better safe than sorry.

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By *ififuckslutCouple
3 weeks ago

Salisbury

Many years ago me and my wife wanted life cove. We were advised to pay the extra.for critical illness cover. The thinking was that nowadays the can keep you alive following many conditions that wuld have killed you years ago (heart attack, stroke etc..) but that doesn't mean you'd end up well enough to continue working in your current job. If you don't die you dont get a payout with basic life cover.

To cut a long story short my wife got breast cancer. She couldn't go back to work in a stressful job but because we have critical illness cover they paid out without question. She lived for a few more years and we were able tonse that money to cover her lost earnings.and taken our kids in some amazing holidays to make memories of their mum. She did die of the cancer eventually but the money cut down a small part of the stress at the time.

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By *enelope2UWoman
3 weeks ago

Fife


"Many years ago me and my wife wanted life cove. We were advised to pay the extra.for critical illness cover. The thinking was that nowadays the can keep you alive following many conditions that wuld have killed you years ago (heart attack, stroke etc..) but that doesn't mean you'd end up well enough to continue working in your current job. If you don't die you dont get a payout with basic life cover.

To cut a long story short my wife got breast cancer. She couldn't go back to work in a stressful job but because we have critical illness cover they paid out without question. She lived for a few more years and we were able tonse that money to cover her lost earnings.and taken our kids in some amazing holidays to make memories of their mum. She did die of the cancer eventually but the money cut down a small part of the stress at the time. "

Sorry to hear that, hopefully you utilized any addition work cover as well often times people forget that's included with jobs. So glad she was able to creat meaningful memories despite the reason/ending.

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By *hirleyMan
3 weeks ago

somewhere


"I'll put this in here rather than lounge.

So just in the process of getting a new life insurance policy.

But adding critical illness is expensive and not sure if it's worth it BUT I don't get sick pay at work so a long term illness could prove costly.

I had a policy many years ago and when I tried to claim because of a back injury they wouldn't pay out.

Once bitten twice shy and all that..."

Crit illness is a con for most. It rarely pays out and is sold like the gym membership model, companies profit from more sign ups than they can actually afford to cover

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By *hirleyMan
3 weeks ago

somewhere


"Many years ago me and my wife wanted life cove. We were advised to pay the extra.for critical illness cover. The thinking was that nowadays the can keep you alive following many conditions that wuld have killed you years ago (heart attack, stroke etc..) but that doesn't mean you'd end up well enough to continue working in your current job. If you don't die you dont get a payout with basic life cover.

To cut a long story short my wife got breast cancer. She couldn't go back to work in a stressful job but because we have critical illness cover they paid out without question. She lived for a few more years and we were able tonse that money to cover her lost earnings.and taken our kids in some amazing holidays to make memories of their mum. She did die of the cancer eventually but the money cut down a small part of the stress at the time. "

You must have paid for a decent one and/or it was from a renowned bank. They're not all the same and you usually have to read twenty pages of small print to find stipulation that you're actually not covered for what you wanted

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By *rX2024123Man
3 weeks ago

Rotherfield

I know someone who had cancer after paying critical illness cover for years, they didn't get anything at all - as the company scrutinised their GP records & decided that something was missed years earlier.

I'd rather risk it than have that disappointment too when I'm ill.

Sort of related, my dog has had cancer treatment twice, the first time insurance paid up - then the premiums increased immediately, then she had more cancer treatment & I got back 25% of what I had paid to the vet, that was after a tough, annoying battle. Cancelled the policy now, they happily take your money but don't like paying out.

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By *nt1845Man
3 weeks ago

Sutton Coldfield

Worth every penny.

Do it

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