Although cost will be a factor when choosing a critical illness policy, the cheapest may not provide the level of cover you require. It is important that your policy provides a comprehensive cover, so always check to see how many conditions are covered. Some policies offer ABI+ definitions. This means that the critical illness definitions shown on the policy exceed the definition set by the Association of British Insurers (ABI), the trade body for insurance companies. This should make it easier to submit a successful claim for that particular condition, as ABI+ definitions are wider than the industry standard.