Population statistics relevant to the rate at which critical illness occurred may be taken as a starting point. Such statistics could be divided into age and sex and also age groups. The critical illness definition concerning the statistics must also be met by that of the policy. Also, many people suffer from the same critical illness twice in their lifetime, for example myocardial infarction. Critical illness insurance may provide cover only once after the start of the policy and then ceases. Additionally, people who have already suffered from this critical illness once may be denied to take a critical illness cover due to medical risk assessment. As a matter of fact, critical illness insurance might only consider the first myocardial infarction of a person. This may also apply to any other disease.



Moreover, diagnosis of heart attack may also reveal that 1 out of 10 people at the age of 30 may be affected before reaching the age of 65. Furthermore, other reports show that around 100,000 people may suffer from stroke each year in the UK. Around 70 percent may survive the critical illness and still remain alive a year after. On the other hand, critical illness conditions may account for the deaths of around 50 percent of women aged 35-39. Besides, reports also show that about 45 percent of heart attack patients may survive three years after intervention.

Furthermore, in many markets, tables may have been drawn representing the rates for both smokers and non smokers. By doing this, insurers could therefore have an idea about how smoking may eventually affect the incidence rates. This may also be vital to certain insurers who provide critical illness cover on the basis of aggregate premium rates. The aggregate rates may rely on the number of smokers insured. Thus the risk of antiselection could be bigger as people taking out the critical illness cover may be prone to certain illnesses prior to taking the cover.

Additionally, as per Belvins Franks, 1 out of every 2 people may contract a critical illness like cancer and heart attack. If looked on a much larger scale, results might appear to be of concern. As a matter of fact, around 50 percent of the overall death rate in the UK may be caused by cancer and heart attack. Furthermore, 1out of 10 men at the age band of 30 may be diagnosed with a critical illness such as cancer before reaching the age of 65.

Also, there may no longer be high death rates due to stroke. According to the Stroke Association 1999, stroke may bring around 100,000 patients per year in the UK. Figures may confirm that approximately 70 percent of people who suffer from a critical illness such as stroke in the UK may still be alive after a year. But the probability to become disabled may also be imminent after treatment. Thus this critical illness may therefore be responsible for nearly 300,000 people being disabled at any one time in the UK. Being disabled can somehow affect a lifestyle.

Finally, there may have been some analysis regarding critical illness. Figures may have not been as accurate so that a sound study could have been made about the rate at which people made critical illness claims. However, results may have been managed to be shown. The critical illness risk over a general population quantity may have been derived. Therefore this result was compared with the expected results which could have shown more or less the critical illness incidence rate statistics.