Why should I consider combining Life Insurance with Critical Illness insurance?

Well, first of all there are some super bargain deals around if you combine the two types of insurance.

Secondly, most insurance companies state that you must live for at least 28 days following diagnosis of a critical illness in order to be able to claim under a critical illness policy. If you die within 28 days you cannot claim.

However, if you have a policy which combines both Life and Critical Illness insurance, and die within 28 days, you are still insured under the life cover provision of your policy. That's why it's wise to take out a combined critical illness and life insurance policy as it can help to cover both eventualities.

Under a combined Life and Critical Illness policy, is the value of cover the same for the life and critical illness provisions?

When you request a quotation, the level of critical illness cover will automatically be the same as you requested for your life cover. Insurers do this because most people want it this way.

However, if you do want different levels of cover for life insurance and critical illness, then please let our partner broker know over the phone and they will be able to give you a special quote.

Can I combine Critical Illness Insurance with Permanent Health Insurance?

Yes. However, in most cases it is likely to be cheaper to take out separate policies. You will find information about Permanent Health Insurance (which is also known as Income Replacement Insurance) on our Information Menu.

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