Does critical illness insurance cover accidents?

I’ve got Critical Illness cover and was wondering if this includes any accidents that i might have in the future?

Question asked by Maria Balfour
Compare Top 10 UK
 Protection
Insurers
 
Takes approx. 60 seconds
Type of Policy
Income Required
per
month
Date of Birth

Answered by Andrew Jenkinson

What does Critical Illness Insurance cover?

Critical illness insurance covers between 35 and 55 different conditions. These conditions are determined by the insurer so they do vary depending on the provider and you would have to check the documentation to see exactly what they cover.

The critical illness insurance can cover a medical condition resulting from an accident. Conditions such as total blindness, deafness, coma, traumatic head injury and third degree burns are usually covered and could result from an accident.

The insurance does not cover less severe medical conditions. However there is an insurance known as Serious Illness Insurance which covers a wider range of conditions. This insurance pays out a percentage of the amount assured depending on the severity of the condition whereas critical illness insurance pays out 100% following a successful claim.

Another option might be Income Protection

Income protection insurance pays out if you are unable to work as a result of an accident. The payout is a monthly tax free benefit which is paid until you are well enough to return to work or until the end of the policy life (which ever is soonest). The policy can be set up as a long term plan which could potentially pay out until retirement age if you had an accident and were unable to work again.

income protection
 
critical illness insurance
 
medical conditions
 
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.
Compare Top 10 UK Insurers
  Takes approx. 60 seconds
 - 
Need help? 
Call us on 

Frequently Asked Income Protection Insurance Questions

 
As I am a director of a limited company a large percentage of my earnings come in the form of dividend...
 
I have been doing some research online for an income protection plan but don’t know whether it...
 
I’m looking to take out income protection insurance and currently researching all the aspects of...
 
What is the minimum deferred period I can have with sickness insurance? I really need it to pay our from...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Edward Brampton
13/01/2018

They were patient thorrgh and good value for money. I regret not using them before and I will use them again in the future.

Fiona Katumwa
11/01/2018

Very excellent service and informative. All options were offered and I had to make my own decision at the end. Would recommend.

Graham Mccollum
14/01/2018

Very efficient and well instructed service with polite staff, I felt Drewberry really did do their utmost to find the best deal for me personally.

We are rated 4.9/5 based on 1320 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1398 Reviews
A
Overall Rating
Very supportive and helped to choose effective product.
S Cutter
Overall Rating
Very professional and easy to deal with. Jake treated me like a human being and made me feel like a valued customer.
P
Overall Rating
Applied for an income protection plan and owing to medical condition had to make a few changes and Victoria from drewberry was really helpful
P Monaghan
Overall Rating
Courteous, prompt and clear service
D Lewis
Overall Rating
I was having trouble finding a suitable income protection policy online and was unclear about what I should be looking for, so I contacted Drewberry. The process was very quick and straightforward. They called me and explained how this type of insurance works, and then went through series of questions about my circumstances to try and find the right cover for me. They came back to me the next day with several suitable options and emailed all the relevant information clearly laid out. Michael Barrow, the advisor I spoke to, was happy to explain things in detail and answer any questions I had. I would definitely recommend Drewberry as they took all the hassle out of a confusing search.