Not all conditions are covered by critical illness policies, be sure to read your policy carefully so that you fully understand what is and isn't included.

The critical illness protection policies pay out lump sum in the event that you fall ill but if you want cover that pays out over the longer term or in the event of your death, then it may be worth considering other forms of protection as well as a critical illness policy. For example, life insurance, income payment protection insurance or income protection cover all provide additional layers of protection.

When buying any insurance product, don't just look for the cheapest option. You need to make sure you are happy with the level of cover provided and that you are getting value for money.