Critical illness cover

An optional extra available on all life insurance policies. Provides a lump sum payment on the diagnosis of certain serious illnesses.

What is critical illness cover?

Critical illness cover is an insurance policy that offers either a lump-sum payment or a regular income in the event of a diagnosis of a critical illness specified within the policy. Covered conditions typically include cancer, heart attack, stroke, and other severe medical ailments.

The payout can help cover medical expenses, living costs, mortgage payments, or any other financial obligations you may have during your illness. Critical illness cover is designed to provide financial protection and peace of mind during a challenging time, allowing you to focus on  your recovery without worrying about the financial implications of your illness.

It can be included with your life insurance, you’ll see this option when you get a quote. You can choose cover which pays just once (either on death or diagnosis of a critical illness) or cover that could potentially pay twice.

Critical illness FAQs

If you’re diagnosed with an illness covered by your policy you can claim. Payments are usually tax free and can be used for any purpose. Premiums can be paid monthly or annually.

In simple terms, the benefit of critical illness cover is that it provides you with a lump sum if you’re diagnosed with a serious illness covered by the policy. This money can help cover expenses like mortgage payments, family expenses and everyday living costs while you focus on your recovery without worrying about financial strain. It offers peace of mind knowing you have financial protection if you’re ever faced with a critical health condition.

The Critical illnesses covered vary from company to company although all providers tend to cover a similar range of life-threatening conditions such as heart attack, stroke and cancer. You can find the full list of illnesses covered in the insurance providers Key Facts, this document is available as you progress with your quote.

If you opt for critical illness cover, it’s essential to determine the amount of cover you wish to receive in the event of a claim. This depends on your individual situation, including the monthly payments you can afford.

You could consider factors such as outstanding debts, your remaining mortgage balance, ongoing living expenses, and any additional costs related to medical treatments or lifestyle changes.

Premiums depend on a number of factors. The amount of cover, term of the policy, your age and your health can all affect the price. The prices given on our website assume your in good health with no major issues in your medical history.

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