This will not only impact the person who is sick or injured but also the spouse who may need to take time off work to provide care for their loved one. Having cover to assist if you do suffer one of the over 40 trauma conditions is extremely helpful. The lump sum payment can be used for whatever you choose but is most often used to cover alternative treatment costs, loss of income, reducing your mortgage or going on a recuperation holiday.
Talking through your options is the best way to ensure you get the right cover.
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