Drewberry™ uses cookies to offer you the best experience online. By continuing to use our website you agree to the use of cookies. If you would like to know more about cookies and how to manage them please view our privacy & cookie policy.
Difference Between Personal Accident Insurance and Critical Illness Cover?
What’s the difference between Critical Illness Insurance and Personal Accident Cover? I’m looking to be able to pay my mortgage and bills if I can’t work.
- Answered By
- Sam Barr-Worsfold
The difference between Personal Accident and Critical Illness insurance
Personal Accident Insurance is designed to pay a lump sum if you suffer an accident.
Critical Illness Insurance, meanwhile, will pay a lump sum if you are diagnosed with a critical illness. Naturally, this also includes the potential results of a serious accident, such as the loss of a limb or loss of sight.
The amount payable on Personal Accident Insurance will usually be determined by the type of accident or severity of the injury.
Critical Illness Insurance plans pay the whole lump sum if your illness is severe enough to meet the criteria; however, most insurers will pay a proportionate benefit if your illness is less severe.
Generally speaking, Personal Accident Plans are popular amongst people who participate in hazardous sports or pastimes whereas Critical Illness Insurance is often taken for the purposes of paying off a mortgage debt.
Our verdict on the most comprehensive cover between the two
Critical Illness Cover is generally more comprehensive than Personal Accident Plans given that they can also pay out for various illnesses in addition to accidents, such as types of cancer, heart attacks and strokes.
Get in contact
If you would like to discuss this further or have any other questions don’t hesitate to contact us on 02084327333 or pop us an email help@drewberry.co.uk.
We are completely independent and have access to the whole of market.
Sarah provided an excellent and informative service.
Arthur Coates
31/01/2019
Compare Top 10 UK InsurersTakes approx. 60 seconds
Or call us on 0208 432 7333
Does Critical Illness Insurance Cover Diving?
Does critical illness insurance cover diving? As we've just had another child we are thinking of taking out a critical illness policy...
Does Critical Illness Insurance Cover Motorbike Riding?
Does critical illness insurance cover motorbike riding? I drive a motorbike to work and back and sometimes on a weekend.
What should I do if I've been declined Critical Illness Cover?
What should I do if I've been declined critical illness cover? I've recently been declined critical illness insurance by an insurance company i have dealt with before for other insurances
Can We Get Joint Critical Illness Cover?
Can we get joint critical illness cover? Would it be more cost effective than two separate policies?
Does Critical Illness Insurance Cover Overseas Travel?
Does critical illness insurance cover overseas travel? I do lots of overseas travelling for both business and vacation.
Can Pilots Get Critical Illness Cover?
Can pilots get critical illness cover? We've just had our first child and i'm looking at taking out critical illness cover in case something happens and I can't work.
- 1You Come FirstWe are a client focused business who always aim to put you first.
- 2We are ExpertsTo provide you with the best advice, we need to know our stuff!
- 3We are HumanWe are real people with feelings who are here to help you.
- 4We are ProfessionalProviding a 5-star service requires a professional approach to everything we do.
- 5We are here to EducateWe don't believe in sales, we are here to educate so you can make informed decisions.