Different claim events
Life cover generally pays on death during the term. Critical illness cover pays when the insured person meets the policy definition for a listed condition and survives any required period.
Definitions are decisive
A diagnosis alone may not qualify. Policies specify conditions, severity and evidence, and definitions can differ between insurers.
Consider the financial need
The amount and type of cover should reflect debts, household income, savings and employment benefits. Combined policies may pay once, so understand what remains after a claim.