Do I buy a critical illness and accident cover while I’m at it? Yes, you do. A critical illness, like cancer, is a disease where you may not spend too much time in hospital but have very large out-of-pocket expenses. The disease may also affect your ability to work for some time. Such illnesses are covered by a ‘critical illness’ cover. These policies pay a lump sum if you get any of the illness that are part of the contract.
