Can we get joint critical illness cover?

My husband and I have just purchased our first home together and we are looking for critical illness protection. Is it possible to get joint cover and would it be more cost effective than two separate policies?

Question asked by Olivia Butler
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Answered by Victoria Slade

Joint critical illness cover explained

Yes, you can get joint critical illness cover which will insure two ‘lives’ under the same plan. However, this will only pay out once (i.e. if one of the lives claims on the plan for the full sum assured, the policy would then cease).

Also consider separate plans..

You may want to consider getting two separate policies which means there are two potential payments – as if one claims, the other plan would remain and thus the other person is still covered.

The cost difference between two single plans and a joint one is often negligible (generally less than 10%) – so it’s certainly worth assessing your options and getting some relevant advice to ensure you’re covering yourself in the most comprehensive way.

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