What happens if my health worsens after making a claim on my critical illness policy?

If you have been diagnosed as having one of the critical illnesses listed on the policy documents then this will enable your claim to be paid to you after the qualifying survival period*. The money will then be yours to buy the care you might need at the time.

*In order to have a valid claim you have to survive for a minimum number of days following diagnosis of a critical illness. Most insurers have a 28 day survival period although some companies have reduced this to 14 days.

After a successful claim the money will be paid to you. This ends policy and so no further claims can be made. (Incidentally, all such payouts are tax-free.)

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