Critical Illness Insurance

CI insurance payments are made by premium either monthly or annually and the premium which you can afford will dictate the level of benefit you will receive should you succumb to a covered illness. The premium is also influenced by your general health at the time of taking out the policy as well as factors such as whether you smoke. You are unlikely to be able to get cover for an illness which you have suffered since birth, and you will find premiums are higher if you have a history of particular illnesses in your family. 3