Difference between personal accident insurance and critical illness cover?

What’s the difference between the two types of insurance? I’m looking to be able to pay my mortgage and bills if I can’t work.

Question asked by Matt Thomas
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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 whereas critical illness insurance will pay a lump sum if you are diagnosed with a critical illness condition, which 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 will often pay the whole lump sum if your illness is severe enough to meet the criteria, however, some insurers now 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 plans are generally more comprehensive than personal accident plans given that they can also payout for various illnesses in addition to accidents, such as types of cancer, heart attacks and strokes.

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If you would like to discuss this further or have any other questions don’t hesitate to contact us on 01273 646 484 or pop us an email help@drewberry.co.uk. We are completely independent and have access to the whole of market.

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This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
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