Critical illness can prove to be a valuable lifeline in the event that you fall critically ill and it can protect you in a major health crisis. You can use the payout from a critical illness policy to repay a mortgage, keep up with bills or adapt your home to make life easier during recovery.

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It can even be put towards things like care costs, medical bills and even travel abroad for treatment.

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Similarly, with life insurance, ask yourself the same question to help identify if critical illness cover is suitable for you: would your family be able to cope financially if you were to become seriously ill and could no longer earn a living?

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Unfortunately, no one can ever be sure what life has in store for them and a serious illness could strike at any time. Statistics show the risk of many critical illnesses is rising in the UK, even among younger people of working age. So if you’re worried about falling critically ill, this type of cover is worth having.