Serious Illness Cover (SIC) or Income protection ?

Q. I am married with 4 children, I have been advised as the only bread winner in the family to take out health cover. As I understand it, SIC will give me a lump sum to tide the family over for a couple of years if I contract a serious illness while income protection gives me a monthly income until I return to work or my pension kicks in. Which is better ? Thanks Paul – Portarlinton Co Laoise

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