Terminal Illness and Critical illness cover

Terminal Illness and Critical Illness cover are not the same.
Critical Illness cover is much more comprehensive.
Consider what would happen, if you had a heart attack or
became blind. Many heart attack victims can expect to
survive for years and blindness does not usually affect life
expectancy. So, whilst you have to give up work, you cannot
claim under your Life and Terminal Illness cover because you
are expected to survive longer than 12 months. Critical illness
insurance fills this gap. It pays out immediately if you are
diagnosed with any one of a long list of critical illness
included on the insurance company's list of insured illnesses
and conditions.
Critical illness cover is defined as an insurance which pays
you a lump sum of money if:
you are diagnosed as having a serious or chronic illness,
or terminal illness which is listed on your policy,
or require a specific type of operation which is listed on your
policy or you suffer from any condition or have an accident that
totally and permanently prevents you from working.

Whole of life Policy

more info comming soon