critical illness insurance

I have just found out that I have 2 critical illness insurances with HSBC dating back to 1995. I am somewhat confussed as I thought I just had one but have now discovered that I have one attached to my endowment morgage as well as one as part of the HSBC survival plan (back in 1995 it was midlands) I believe that I have been missold one of these surley it would have been mnore sense to have had an income protection plan as part of the survivial plan why would I have 2 critical illness insurances?



Can anyone advise please

critical illness insurance