Military critical illness cover and  military serious illness cover are two types of insurance policies that provide financial protection in the event of a serious illness. While both policies offer similar protection, there are some key differences that set them apart.

Military critical illness cover typically provides a lump sum payment if you are diagnosed with a specific serious illness listed in your policy. These illnesses can include cancer, heart attack, and stroke, among others. The amount of the lump sum payment will depend on the level of cover you have chosen and is usually determined when your illness is deemed critical by the Insurers medical experts.

Military serious illness cover, on the other hand, typically provides a payout if you are diagnosed with a serious illness based on the severity of the illness. 

This means that you may be covered for a wider range of conditions than with critical illness cover. However, the payout amount may be lower than with critical illness cover, as it will depend on the severity of your illness.

Another key difference between the two policies is that critical illness cover can be more expensive than serious illness cover. This is because a CIC policy covers a specific set of illnesses paying out 100% of the cover amount and is therefore more comprehensive but for a more limited range of illnesses. Serious illness cover, on the other hand will pay out on a broader range of illnesses but will pay out based on how serious the illness is, you could receive a payment for a claim that would not be met by a Critical Illness policy.

When deciding between military critical illness cover and military serious illness cover, it is important to consider your individual circumstances and needs. If you have a family history of a specific illness, for example, you may want to choose a critical illness cover that specifically covers that illness. If you are looking for more general protection against serious illnesses, serious illness cover may be a better option.

Overall, both critical illness cover and serious illness cover can provide valuable financial protection in the event of a serious illness. It is important to carefully consider your options and choose the policy that best meets your needs and budget.

For more details of the military critical illness cover and military serious illness cover offered by Absolute Military – contact us today.