How do I compare policies?

The information in key features leaflets should help you to compare the policies of different insurance companies. The key features leaflet for each policy will show you the critical illnesses covered and the main exclusions. It will also tell you whether, for example, your premium may go up and whether you have to tell the insurance company if you change your occupation.

Not all insurance companies cover the same illnesses or have the same exclusions. When you compare the conditions covered by different policies, remember that the core conditions listed on the previous page are the ones most likely to happen. So cover for the core conditions is usually more important than cover for the other conditions. To help you make comparisons, key features leaflets list the critical illnesses covered in alphabetical order.

1. What is level term life insurance?
2. What is mortgage protection insurance?
3. Why should I consider buying critical illness cover?
4. What are critical illness policies?
5. Which illnesses are covered?
6. Will any exclusions apply to the critical illness cover?
7. How do I compare critical illness cover policies?
8. What types of critical illness policy are available?
9. What is the cost of critical illness cover?
10. Who can take out critical illness cover?
11. Can I increase my cover after the policy starts?
12. How do I apply for critical illness cover?
13. How do I make a claim?
14. What should I do if I want to complain?