Which aspect is typically considered when choosing a critical illness cover policy?

When selecting a critical illness cover policy, it is essential to consider extras and specific personal needs because these factors greatly influence how well the policy will meet an individual's requirements. Critical illness cover is designed to provide financial assistance upon diagnosis of a specified critical illness, and tailoring the policy to fit personal circumstances can enhance its effectiveness.

This consideration includes assessing the range of illnesses covered, any additional benefits that may be offered, such as payment of lump sums for certain conditions or coverage for children's illnesses, and any cash benefits or support services that come with the policy. It should also take into account the individual's health history, lifestyle, family medical history, and financial obligations. By focusing on these personal needs and preferences, policyholders can ensure that they choose a policy that provides adequate protection and peace of mind tailored to their situation.

The other choices fail to provide a comprehensive approach. Solely focusing on the cost of premiums ignores the overall value of the coverage. Similarly, considering only the sum assured or the term of coverage does not encapsulate the broader range of factors that affect the policy's suitability for individual needs.