When can I claim with Critical Illness cover?
There is usually a 28-day survival period, before you
can claim.
All Critical illness policies require you to survive for
a minimum period of time following your Doctor’s diagnosis. The
period is called the survival period. If you died before the end of the
survival period you would not have a claim.
Most insurance companies set the survival period as 28 days
but a few have shortened this to 14 days.
Remember, however, that if you have an insurance policy
that combines both Critical Illness cover and Life cover, no matter when
you die you will always be insured under the life cover provisions of
your policy. This shows quite well why it is so valuable to take out combined
Life Insurance and Critical Illness cover, as you are insured in all eventualities.
Other relevant questions…
What
are the benefits of Critical Illness Insurance?
Which illnesses qualify
as critical?
Is Life Insurance for me?
What else do I need to know about Life Insurance?
How do I get a Life Insurance Quote?
How do I choose the right policy for me?
What if I need cover to be arranged quickly?
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How are premiums calculated?
What if I have to make a claim?
Do I need Mortgage Life Insurance instead?
Should I consider Critical Illness cover?
What other sorts of Insurance should I think about?
How do I make a complaint?
What do I need to know about the law and Life Insurance?
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