Critical Illness Cover
Critical illness cover can offer valuable financial protection if life takes an unexpected turn. We’re here to support you in choosing the right cover for your needs, so you can focus on what really matters.
Financial Support When You Need It Most.
Life is unpredictable, and a serious illness can turn everything upside down. Critical Illness Cover provides a lump sum payout if you're diagnosed with a specified critical illness or undergo a covered surgical procedure.
This financial safety net helps you focus on recovery, knowing that you have support for essential expenses.
What is Critical Illness Cover?
Critical Illness Cover provides a lump-sum benefit in the event of being diagnosed with one of the provider's listed critical illnesses. This is a tax-free benefit that is designed to help your financial situation and the changes that you may now need to make following diagnosis.
A parent taking life or critical illness cover; children may also be covered for up to 50% of the sum insured.
Who Can Apply?
Most UK residents (excluding Channel Islands and Isle of Man) aged between 18 and 79 can apply for critical illness cover.
Why Us?
✔ Affordable premiums to fit different budgets
✔ Flexible policy terms to match your financial goals
✔ Comprehensive protection with added benefits, with s0me at no extra cost
What Is/Is Not Covered?
✅ Conditions Covered
Policies can cover a range of serious illnesses and major surgical procedures, including:
🩺 Cancer (excluding less advanced cases)
🫀 Heart attack and bypass surgery
🧠 Stroke and neurological conditions (e.g., Multiple Sclerosis, Parkinson’s, Alzheimer’s)
💉 Kidney failure requiring dialysis
🫁 Major organ transplant
👁 Blindness and loss of speech
🦵 Paralysis and limb loss
…and many more.
❌ What's Not Covered
While Critical Illness Cover offers valuable financial protection, there are exclusions, including:
❌ Diagnosis within the first 90 days of the policy start date
❌ Failing to survive 10 days after diagnosis or surgery
❌ Some early-stage cancers and pre-existing conditions
❌ Incorrect or incomplete medical information at the time of application
How Critical Illness Cover Works:
If you're diagnosed with a covered critical illness or need a qualifying surgical procedure during the policy term, your policy pays out a lump sum.
You can use this money however you need, whether it’s covering medical costs, adapting your home, or ensuring financial stability for your family.
✔ One-time payout upon diagnosis of a covered condition
✔ Tax-free lump sum to ease financial strain
✔ Can be taken as a standalone policy or alongside life insurance
Why Should I Consider Critical Illness Cover?
A serious illness can impact not just your health but also your financial stability.
If you were diagnosed with cancer, suffered a stroke, or had a heart attack, how long would it take for you to recover and return to work?
Would you be able to manage your bills, mortgage, and daily expenses during that time?
Critical Illness Cover provides a tax-free lump-sum payout, giving you the financial freedom to focus on recovery without the added stress of lost income or unexpected costs.
Whether it’s covering medical treatments, adapting your home, or simply maintaining your family’s lifestyle, this cover ensures you have the support you need when it matters most.
Our insurance professionals have the expertise to guide you through your options, helping you find a policy that suits your needs and budget - so you can make the best decision for your future and your family’s peace of mind.
Making A Claim
If you are diagnosed with a covered critical illness, the claims process is straightforward:
✔ Contact the insurer to initiate the claim
✔ Provide medical evidence, such as a diagnosis report from your doctor or specialist
✔ Claim assessment and approval – The insurer reviews the documents and confirms eligibility
✔ Receive the lump sum payout, giving you financial support to focus on recovery.
With Critical Illness Cover in place, you can ease financial worries and concentrate on your health during a challenging time.
