Critical Illness Cover
Receive a tax-free lump sum if you're diagnosed with a serious illness, giving you financial freedom when you need it most.
FCA Regulated
Extensive Lender Panel
Based in Uxbridge
UK Wide Coverage
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Critical illness cover pays out a tax-free lump sum if you're diagnosed with one of a specified list of serious illnesses during the policy term. Common covered conditions include cancer, heart attack, stroke and multiple sclerosis. Many people use the payout to clear their mortgage, fund treatment or adapt their home.
What Does Critical Illness Cover?
- Cancer (excluding early-stage or pre-malignant conditions)
- Heart attack and coronary artery bypass
- Stroke with permanent symptoms
- Multiple sclerosis
- Kidney failure
- Major organ transplant
- Many policies cover 40+ conditions including children's cover
How People Use Critical Illness Payouts
- Pay off the mortgage to remove monthly pressure
- Fund private medical treatment
- Adapt their home for changed needs
- Replace lost income during recovery
- Pay for childcare or additional support
Frequently Asked Questions
Is critical illness cover worth it?
If you have a mortgage or dependants, critical illness cover can be invaluable. One in two people will be diagnosed with cancer in their lifetime. A lump sum can clear your mortgage and remove financial stress during treatment.
Can I add critical illness to my life insurance?
Yes. Many people take combined life and critical illness cover, which is usually cheaper than two separate policies. The policy pays out on death or critical illness diagnosis, whichever happens first.
What conditions are not covered?
Each insurer has different definitions and exclusions. Generally, early-stage cancers, minor conditions and pre-existing illnesses may not be covered. We'll explain exactly what's included before you commit.
Ready to Get Started?
Speak with one of our expert advisers today, initial consultation at our expense, and without obligation.