CeMAP Module 2 - Mortgages

Which statement about critical illness cover is NOT correct?
Benefits can always be taken as an income to replace loss of earnings
A lump sum is payable on the diagnosis of medical conditions or diseases specified in the policy
The claimant normally has to survive for 28 days after the diagnosis before the critical illness benefit is paid
Each insurance company will include its own list of illnesses covered in the policy document
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