A few years ago we signed up for really good critical illness cover, it’s been a bit of a drag paying for it some months but we kept it going because ‘who knows what the future holds’ DH and I have both been diagnosed with cancer this month and because we have critical illness cover for us both we are eligible for ; lump sum to pay off the mortgage, 2 lump sums (1 each for our respective cancers) and in 6 months when the sick pay runs out our cover will continue to pay the equivalent of our salaries up until retirement age if one or both of us cannot return to work. So 20 years of full salary paid up until pension eligibility. It also covered diagnosis and will pay for potential medical treatment in America if dh’s cancer requires proton beam and we can’t get into the nhs quick enough. It will pay for me to go with him and stay in a hotel whilst he recovers.
I am SO glad we kept the illness cover and I urge you please to look into it. I stumbled on a woman on TikTok who was talking about how important insurance is so I decided to be an adult and get some, and I am so glad I did.