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.
Most policies cover between 40-60 serious conditions, with cancer, heart attack, and stroke being the most commonly claimed conditions.
Coverage
What Conditions Are Covered?
Most policies cover 40+ conditions. 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
The Facts You Should Know
1 in 2
People will face a serious illness in their lifetime
100,000+
Heart attacks in the UK each year
6 months
Average recovery time from serious illness
£30,000
Average critical illness claim payout
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?
Critical illness is typically 2-3x the cost of life insurance alone:
Under 35
£15–£40
per month for £100k cover
35–50
£40–£90
per month for £100k cover
Over 50
£90–£200+
per month for £100k cover
*Estimates only. Many combine critical illness with life insurance for better value.
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