Before choosing a policy think about:

1. The level of cover you require:

   • Are you prepared to pay a high level of excess in order to reduce premiums.
   • Are you looking for cover to avoid one off large bills (in which case a policy which only covers conditions for a year from diagnosis may be suitable as most costs will be covered early in the diagnosis).
     
2. Whether you require lifetime cover.
3. Whether you require additional services from the policy (third-party cover, recovery costs, death benefits).