Compare Critical Illness Cover

Cover up to 174 conditions from as little as £10 per month.

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Critical Illness Cover is there to help financially if you are diagnosed with a serious illness.

Serious illnesses can turn your life upside down unexpectedly. Critical Illness Cover give you reassurance that you will receive a cash lump sum if you are diagnosed with one of the conditions covered by your policy. The money could be used to pay off the mortgage or to meet your family’s monthly outgoings, so you have one less thing to worry about and can concentrate on getting better.

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What are the key differences between Critical Illness policies?

Critical Illness policies are all designed to do a similar job, pay out a cash lump sum if you are seriously unwell. The detail in the terms can be different between one insurer, so it is it’s important to compare the ‘terms’ details carefully to make sure that you take out a policy that’s right for you. Our expert team can advise you on this – they will consider:

  • Which illnesses are covered: Critical Illness policies commonly cover at least 40 conditions, typically the main critical illnesses people suffer from in the UK including coronary artery bypass, major heart attack, kidney failure, major organ transplant, multiple sclerosis, stroke and a defined set of specific cancers.
  • Which illnesses are not covered: Some forms of cancer that are included on some policies may not necessarily be covered on others. There are circumstances in which an illness must have advanced to a certain stage before a pay-out will be made.
  • Whether it provides cover for your children: If you have children, they may be covered on your policy with some providers and not with others.

Did you know…

  • Over £1 billion was paid out in Critical Illness Cover claims in 2018 – 91% of new claims were paid
  • Payouts for Critical Illness claims are tax-free.

Your questions answered

Do I need Critical Illness Cover?

Critical Illness Cover can prove invaluable if you are unfortunate enough to be diagnosed with one of the specified serious illnesses listed on your policy. It offers the reassurance that in these circumstances you will receive a lump sum which could then be used to pay off the mortgage or to meet your family’s monthly outgoings while you concentrate on getting better.

If you have a partner, children or other dependents should be to take out Life Insurance. However, because this only pays out if you die it is important that you should also have either Critical Illness Cover or Income Protection.

What is Critical Illness Cover?

Critical Illness Cover pays out a tax-free cash lump sum if you are diagnosed with a qualifying illness listed on your policy. These usually include conditions such as some forms of heart attacks, cancers, strokes or kidney failure, or serious procedures such as a coronary bypass or a transplant.

The one-off lump sum differentiates critical illness cover from Income Protection, which pays a regular income and also covers a wider range of health conditions.

What types of Critical Illness Cover are there?

Critical illness cover can be bought either as a standalone product or in combination with life insurance.

Although critical illness policies are all designed to do a similar job, there can be some variations between different policies. They commonly cover at least 40 conditions however but there can be some serious conditions that aren’t covered like certain forms of cancer. This means it is important to compare the details of different policies, to make sure you take out a policy that suits you – our team of experts can help you decide.

What illnesses does Critical Illness Cover?

Critical Illness Cover protects against specific illnesses that have a severe impact on your life.

All Critical Illness Cover includes the main critical illnesses people suffer from in the UK including coronary artery bypass, major heart attack, kidney failure, major organ transplant, multiple sclerosis, stroke and a defined set of specific cancers. It’s important to the specific conditions with your cover provider.

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