CRITICAL ILLNESS COVER
Financial support when you
need it most.
Critical illness cover can provide a lump sum payment if you’re diagnosed
with one of the specified serious illnesses covered by your policy. It
can help reduce financial pressure at an already difficult time, giving
you more choice and flexibility while you focus on your recovery.
✔ Compare Critical Illness Cover Options
✔ Simple, Straightforward Process
✔ Free Consultation
Critical Illness Cover Essentials
🩺 What is Critical Illness Cover?
Critical Illness Cover is designed to pay a tax-free lump sum if you’re diagnosed with one of the specified illnesses covered by your policy and meet the insurer’s claims criteria.
🏡 Protecting Your Home
Critical Illness Cover can provide a lump sum if you’re diagnosed with one of the specified medical conditions covered by the policy, helping to ease financial pressure during recovery.
💷 Financial Flexibility
The lump sum payment can be used however you choose, whether that’s replacing lost income, adapting your home, funding treatment or helping with everyday living costs.
📋 Policy Options
Policies vary between insurers in terms of the illnesses covered, additional benefits and optional features. We’ll explain the options available and help arrange cover if you decide it’s right for you.
Why Consider Critical Illness Cover?
Recovering from a serious illness can be challenging enough without worrying about your finances.
Critical Illness Cover can provide a lump sum payment following the diagnosis of one of the specified conditions covered by your policy, helping you focus on your recovery rather than your financial commitments.
For many people, this extra financial support can help cover mortgage payments, household bills, childcare costs, home adaptations or time away from work.
Understanding Your Options
Critical Illness Cover isn’t the same as Life Insurance or Income Protection.
Depending on your circumstances, you may wish to consider:
🩺 Standalone Critical Illness Cover
Provides cover for specified critical illnesses during the policy term.
❤️ Combined Life & Critical Illness Cover
Combines Life Insurance and Critical Illness Cover into one policy, with a claim normally ending the cover once paid.
👶 Children’s Cover
Some insurers include children’s critical illness benefits or offer them as an optional extra, depending on the policy.
⭐ Additional Benefits
Many policies include additional support services such as counselling, second medical opinions or rehabilitation services, depending on the insurer.
We’ll explain how the different options work, answer your questions and help arrange cover if you decide it’s right for you.
Important Information
We do not provide regulated insurance advice.
We’ll explain the options available, provide clear information about the different types of Critical Illness Cover and help arrange a policy if you decide to proceed, allowing you to make an informed decision based on your own circumstances.
What Can Affect the Cost?
Insurance premiums vary from person to person.
Factors that may affect the cost include:
Your Age
Premiums generally increase as you get older.
Smoking Status
Smoking can significantly increase the cost of cover.
Health
Your medical history and current health may affect the premium, policy terms or acceptance.
Family Medical History
Some insurers may consider aspects of your family medical history during the underwriting process.
Amount of Cover
Higher levels of cover generally result in higher premiums.
Policy Term
The length of time you want the cover to remain in place will affect the cost.
Frequently Asked Questions
Thinking About Critical Illness Cover?
Whether you’re arranging your first mortgage, moving home, remortgaging or reviewing your existing protection, we’ll help you understand the options available and arrange cover if you decide it’s right for you.
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