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critical illness cover statistics



Critical Illness Insurance Cover Statistics

Thinking that 'it won't happen to me' is not going to help you or your family if you are proved wrong. We all die and hospitals are full of people who also thought it might never happen to them. Critical illness statistics are alarming to most people because they show not only what real people have been diagnosed with but also what many have to live with for the rest of their lives. Critical illness statistics show why this type of insurance is so important.

In the UK, one in three people develop cancer in their lives and one in four will die from it. In total in 2004, 152857 people died from from cancer in the UK. There are 289000 new cases of cancer diagnosed each year.
Source - National statistics online and cancer research website 2006.

In the UK, the lifetime risk for breast cancer in women is one in nine. In 2005 45500 women were diagnosed with breast cancer.
Source - Cancer research website 2006

In 2005 in the UK, 1 in 5 men and 1 in 6 women died from heart disease
Source - British Heart Foundation

Someone has a heart attack in the UK every 2 minutes and almost 2.6 million peole have heart and circulatory disease.
Source - British Heart Foundation.

In the UK one person has a stroke every five minutes
Source - The Stroke Association website.

Every year, at least one in 13 deaths in the European Union is likely to be related to excess weight.
Source - Infant and Dietetic Foods Association.

Over 1.65 million people will be off work due to illness each year for 6 months or more

Around 120,000 people have Parkinson's Disease and 1 in 7 are under 40 when diagnosed.

Coronary Heart Disease is responsible for 12% of all working days lost through sickness.

There are now over 700,000 people with dementia. By the year 2010 if the current trend continues this figure is expected to reach 850,000

Approximately 8,500 people in the UK suffer a Brain Haemorrhage each year, with 3 or 4 out of 10 patients being left with long-term problems

Around 350,000 people have rheumatoid arthritis.
(Arthritis Research Campaign, 2002)

There are currently approximately 85,000 people with MS. Each year, around 2,500 individuals are newly diagnosed. MS is the most common neurological disorder among young adults. People are usually diagnosed between the ages of 20 and 40, but can be older. (Multiple Sclerosis Society, 2002)

The good news is that Insurers are reporting more and more successful claims each year with some insurers paying out over 90% of critical illness insurance claims. Why not 100% you might ask? Some claims are not honoured because applicants failed to disclose vital medical history at the point of application. his is usually where pre-existing conditions have not been disclosed. This is known as 'non-disclosure.' Other claims may be declined simply beacuse they do not meet the defintion of the illness. Please visit the definitions pages for further explanation of what is covered.

The critical illness insurance providers have done a fantastic job in making critical illness cover as transparent as possible for anyone considering cover. The golden rule is simply to disclose everything at the point of application and to know exactly what you are insured for.