Critical Illnesses - Facts & Figures

EFPG’s preferred provider of critical illness cover is currently AIG. We believe its critical illness cover - and particularly its coverage against cancer - is the most comprehensive available to individuals.

The following facts and figures are provided by another big critical illness insurer, Aviva.

  • By far the most common reason for a critical illness insurance claim for is cancer (65% of all claims) with the next most common being heart attack (12%), stroke (7%), multiple sclerosis (4%), and total permanent disability (3%). These five causes alone account for 91% of all claims.
  • The most common cancers are breast, lung, prostate and bowel cancers.
  • The average age of a cancer claim is 49 (men) and 46 (women).
  • People live nearly six times longer on average following diagnosis of cancer compared to 40 years ago.
  • Cancer treatments such as chemotherapy have side effects, take time and can take their toll.
  • Cancer diagnosis is a notorious cause of shock, stress and anxiety. For many cancer is their number-one fear in life.
  • In the UK someone dies of a heart attack every six minutes.
  • Rehabilitation after a heart attack can take many months. It can also lead to necessary permanent changes in career and lifestyle.
  • In the UK someone has a stroke about every four minutes.
  • Some strokes are relatively minor but many have more serious long term effects.
  • Multiple sclerosis is most commonly diagnosed between ages 20 and 40.
  • Almost three times as many women as men are affected.
  • There is no known cure for MS. People have to live with MS using therapies and treatments rather than recover from it.