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</html><thumbnail_url>https://www.moneymagpie.com/wp-content/uploads/2023/03/cold.jpg</thumbnail_url><thumbnail_width>500</thumbnail_width><thumbnail_height>333</thumbnail_height><description>What is critical illness insurance? Do you need it? How do you get the best value? What are the alternatives? We don&#x2019;t like to think about becoming seriously ill, but it's important to consider financial protection against the worst happening. Critical illness cover is one option, designed to ease the financial burden with a tax-free lump sum which you can spend however you like. However, with sneaky exclusions and an array of policies to choose from, getting it right can be tricky.</description></oembed>
