Personal accident insurance or critical illness cover?

I’m currently researching insurances to cover me should i fall too ill to work, which is best personal accident or critical illness?


Question asked by Gemma Beachwood
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Answered by Samantha Haffenden - Angear

Critical illness vs Personal Accident insurance

To start with, Drewberry would usually recommend critical illness insurance over personal accident insurance. The main reason being, Personal Accident Insurance is an inferior insurance product in comparison that covers you for major injuries specified in the policy documents, usually loss of limbs, major fracture injuries and other scenarios such as loss of sight to both eyes, loss of speech or loss of hearing. For which you would receive a small lump sum generally capped at £5,000 to £20,000.

Why Drewberry usually recommends Critical Illness cover

The main reason Drewberry would usually always recommend critical illness cover is because there are many comprehensive plans on the market which allow you to choose the conditions for which you want to be covered, some plans can cover over 170 illnesses and disabilities (personal accident plans often only cover serious injuries) and also pay out on a proportionate basis giving you the peace of mind that you will definitely get a payout relating to the seriousness of your injury.

Critical illness plans are medically underwritten at the point of inception so you know exactly what you are covered for from the outset. The sum assured can be a lot higher than the personal accident cover as it is up to you the amount you want to be covered. For example you may want to ensure the amount outstanding on your mortgage is covered.

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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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