Injury and Critical Illness
Whether or not you maintain an active and healthy lifestyle, no one can predict their future health.
Critical illnesses such as strokes, heart attacks and cancer can necessitate long recovery periods, and permanent disability resulting from injury can affect almost every area of someone’s life. They may also prevent sufferers from doing the same job they once did. If the need to replace your income due to critical illness or serious injury should arise, government benefits may not provide sufficient relief.
Some employers provide critical illness and injury cover schemes, but it is unwise to assume that all conditions and eventualities are covered – always read the small print, and consider taking out a policy which covers any gaps in your employer’s scheme.