I'm going to say this again, because I think it is worth people knowing.
I had critical illness cover. I also had given POA to my eldest.
If I had NOT given POA to my eldest, I would NOT have got my critical illness payout. It took about 9 months, in which time I had no income at all, but I did have critical illness cover.
The insurance company made us fight tooth and nail for it, at a time when I was not able to fight at all, and my son had to do it with POA.
I was entitled to benefits, but that took many months, too, with the DWP directing me to foodbanks in the mean time ( while I was bedbound)
(Eventually, we got the money - obviously it helped pay debts etc, but it was less money than I would have earnt if I had still been working)
What I am saying is don't rely on critical illness cover, don't rely on benefits ,do have some savings easily accessible and do have POA in place, even if you are young and healthy