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In recent times, the number of people reporting critical illness conditions has grown at a phenomenal pace in the UK. People with various ailments such as asthma, heart complications, liver disorders and a high blood pressure rates populate almost all parts of the country. Doctors and medical experts are thus worried over this negative trend and fear that if the condition does not improve soon millions other will record further ailments in the coming years. This can deal a severe blow to the efforts of medical practitioners in the country who are recommending a healthy lifestyle to prevent damage to health and well being.

While it is true that a healthy lifestyle holds the key to a long and fit life, it is also true that in spite of taking some measures many people have reported critical illness in recent years. Consequently, this has generated huge demand for medical insurance plans and health insurance covers and an increasing number of people are ready to pay several pounds on securing their life and health. There are several health insurance companies in the country today that can offer you multiple choices when are choosing a health insurance policy. The purpose is to offer services to people of all social and economic backgrounds and make them aware about the various options that can secure their health and give them some peace of mind. Interestingly, choices are indeed varied and people with all kinds of budgets can opt for these critical illness insurance schemes at not so high prices.

Some of the most common critical illness insurance plans in the UK for people with critical illness conditions are follows:

• Private medical insurance covers:

In this type of critical illness insurance scheme, buyers are provided with coverage for tests, consultations and surgeries. Since, this cover helps you to opt for private services; you get immediate attention and quality treatment.

• Critical illness insurance plan:

In this form of health scheme, patients with serious ailments and critical illness are covered. The insurance company on its part offers a tax free amount which the patient may use for any purpose.

• Income protection insurance:

This insurance plan provides coverage to people handicapped by certain ailments. Moreover, under this scheme the insurance company pays a certain percentage of the insured person’s gross income if he/she is not able to get back to work due to the critical illness.

• Health trust fund

This policy can be seen as an alternative to the conventional health insurance schemes. Its advantages include no extra payments, lower cost and stable automatic premiums.

• Cash plans:

These plans are categorized under the low cost health policies that extend cash to cover all medical expenses including optical, dental or even nursing.

• Ex-pat insurance:

This form of insurance is meant for those UK citizens who are either working or living in foreign countries for an extended period of time. The health insurance firm extends health care coverage while the insured people are stationed abroad for an international assignment.

While it is important to understand what the insurance policy covers and the benefits it extends when the insured person faces a critical illness condition, it is no less important to see what the pre existing conditions are. These steps can simplify complications and provide protection even during critical illness insurance.