Critical illness cover is a similar product to a life policy in that it is designed to pay out a lump sum over a set term but in the event of certain accidents and illnesses. This lump sum can be incredibly important to fully repay a mortgage, cover payments or even make alterations to a property.
As with life cover it is vitally important to ensure not only the quality of the policy but also that it is written correctly to avoid issues at a time which would only further increase the levels of stress and hardship.