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Terminal Illness vs Critical Illness

What’s the difference between terminal and critical cover?

Although often confused, critical illness and terminal illness cover are two very different things. If you’re planning to take out life insurance, understanding the differences between these two types of cover is essential to ensure you choose a policy that matches your unique needs.

To understand the differences between terminal and critical illness cover, here are some easy to understand explanations for you:

Terminal illness

Critical illness

Now that you know the fundamental differences between these two add on policy elements, you should be able to make a more informed decision about whether you need them or not.

Remember, if you are a smoker then you are at greater risk to a wide range of critical, sometimes terminal conditions, such as lung cancer, mouth cancer, a stroke, heart attack and coronary heart disease.


Talk to our Reassured consultants on 0808 168 2025 to see how much these policy elements might add to your monthly premium. Then challenge us to make sure you are getting the most competitive quotes possible. Alternatively Start Your Quote online today – it only takes 2 minutes.