Mortgage ppi

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I’m wondering whether it is worth the money to pay extra insurance for my husband in the event of sickness. I’m less worried about redundancy as his profession is currently in demand.
Our current mortgage needs us both to work. I work for the NHS so get 6 months full and 6 months half pay. We have life and some critical illness ( he smokes so we can’t afford full cover for him but enough that it will pay off a portion of the mortgage). We currently overpay the mortgage (we ported the old mortgage so we have 2 mortgages). The smaller mortgage has 6 months overpayment and the larger mortgage has 2 months overpayment. Are we better to focus on overpayments or pay for mortgage protection?

Focus on overpayment as some companies do anything to avoid paying out claims.

Thank you. I wondered if that might be the case.

I was looking into the same thing recently. You could also look into income protection instead of critical illness as it usually covers particular illnesses and nor all.

Thank you. What’s the difference between critical illness and income protection?

Income protection will protect your income in the event of an extended time off work, which is actually more likely to happen that you be diagnosed with an illness from the list of critical ones listed by the provider.

I wouldn't be without one or the other though tbh and if at all possible he needs to give up smoking!