Critical illness cover will pay a lump sum in the event that a person suffers:

Critical Illness Cover (CIC) provides a lump sum payout if the policyholder is diagnosed with a covered illness. The policy specifies which conditions qualify for a payout.

Why is Option C Correct?

Policies list specific illnesses (e.g., cancer, stroke, heart attack) that qualify for coverage.

If an illness is not listed, no payout is made.

Why Not Other Options?

A (Any critical illness) → Policies cover only certain conditions.

B (However caused) → Coverage depends on medical definitions, not just cause.

D (Survive for 12 months) → Most policies require survival for 14-30 days, not 12 months.

???? Reference: FCA Insurance Regulations, CISI Wealth & Investment Management (Protection Planning).