Every year, the Moneyfacts product specialists take an in-depth look over the complete critical illness cover marketplace to determine which are worthy of our coveted four- and five-star Annual Star Ratings. Many different elements are carefully considered and compared with the other products currently available to determine which critical illness products provide a truly exceptional level of benefits to consumers.
Moneyfacts Star Ratings are both impartial and respected in the world of financial products, being highly valued by professionals, providers and consumers alike.
The features and benefits of each critical illness policy are closely examined. More about this can be found in the ‘What elements of critical illness cover do we look at?’ section below.
Consumers can have total confidence that the Moneyfacts Annual Star Ratings, carried out by our team of experienced product experts, are both independent and impartial. We provide consumers with an expert analysis of the whole market, so they can feel assured that the critical illness policies that we score highly really are the best on offer.
Numerous areas are considered when assessing the ratings for critical illness cover. Some of these include:
• Range and number of illnesses covered
• Age of entry
• Minimum and maximum terms
• Ceasing ages
• Policy terms
• Minimum and maximum ages
• Rate types
• Total and permanent disability
• (TPD) options
• Conditions including:
o Heart attacks
o Kidney failure
o Major organ transplant
o Terminal illness
Disclaimer: This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.