Critical Illness Cover
Get a tax-free lump sum if you're diagnosed with a serious illness. Focus on recovery, not finances.
Understanding
What is Critical Illness Cover?
Critical illness cover pays out a tax-free lump sum if you're diagnosed with a serious illness listed in your policy. Unlike life insurance, you receive the money while you're alive, giving you financial freedom during recovery.
The payout can be used however you choose: pay off your mortgage, cover medical costs, adapt your home, take time off work, or simply reduce financial stress so you can focus on getting better.
Policies typically cover a defined list of serious illnesses, with cancer, heart attack and stroke among the most commonly claimed. The conditions covered, and the definitions that must be met, vary by insurer and policy.
Coverage
What Conditions Are Covered?
Policies cover a defined list of serious illnesses, which varies by insurer. Here are some of the most common:
*Coverage varies by provider. We'll help you find the right policy for your needs.
Why It Matters
What to Think About
Serious illness
Can stop your income without warning
Recovery
Time off work can last far longer than sick pay
Your mortgage
Payments continue while you are unwell
A lump sum
Gives you options while you recover
Is It For You?
Who Needs Critical Illness Cover?
Those Without Savings
If you couldn't survive 6+ months without income
Self-Employed
No employer sick pay means no income if you can't work
Mortgage Holders
Pay off your mortgage if diagnosed with serious illness
Primary Earners
Protect your family's lifestyle during your recovery
Family History
Higher risk if family members have had serious illness
Anyone at Risk
Smokers, those with high stress, or unhealthy lifestyles
Costs
What Does It Cost?
Cover tailored to you. Premiums depend on your circumstances and the cover selected:
Your age and health
Age
the main driver of your premium
Cover amount and term
Cover
how much you need and for how long
Smoker status and occupation
Lifestyle
insurers price these differently
Many people combine critical illness with life insurance. We will give you a personalised quote based on your circumstances.
Get Your Critical Illness Quote
Find out what cover you need and what it could cost. Takes just 60 seconds.
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