Critical Illness Insurance

1 in 2
May develop cancer
Lump sum
On diagnosis
With life cover
Combined protection
What we arrange
✓Critical illness cover
✓Combined life & critical illness
✓Cancer, heart attack & stroke
✓Children’s cover options
✓Comparing insurer definitions
✓Cover to clear the mortgage
Not all providers cover the same range of illnesses. We compare definitions carefully so you understand exactly what you are covered for, not just the premium.

Critical illness insurance pays a tax-free lump sum if you are diagnosed with one of a specified list of serious conditions during the policy term. Unlike life insurance, it pays out on diagnosis, while you are still alive, giving you financial support at the point you need it most.

The money can be used however you choose: to pay off your mortgage, adapt your home, cover private medical treatment, fund time off work, or simply provide financial security while you recover.

What Does Critical Illness Cover?

The conditions covered vary between insurers, which is one of the most important reasons to take advice rather than simply buying the cheapest policy. Most policies cover the core conditions including:

  • Cancer (most types)
  • Heart attack
  • Stroke
  • Multiple sclerosis
  • Parkinson’s disease
  • Major organ transplant
  • Total permanent disability

Some insurers cover 50+ conditions; others cover far fewer. The definition used to describe each condition also varies, a stricter definition means fewer claims succeed. We review the small print on your behalf to ensure the cover you take out will actually pay out if you need it to.

Critical Illness vs Life Insurance

Many clients arrange both life insurance and critical illness cover together, often on the same policy (known as combined life and critical illness). This ensures protection against both death and serious illness, and can often be arranged cost-effectively as a package.

Get critical illness cover advice →

Critical Illness Cover, your questions answered

What does critical illness cover pay out for?
It pays a tax-free lump sum if you are diagnosed with one of the serious conditions the policy covers, commonly cancer, heart attack and stroke, among others. The exact list and definitions vary by insurer, which is why the wording matters as much as the price.
Isn't critical illness the same as life insurance?
No. Life insurance pays out when you die; critical illness pays out while you are alive if you are diagnosed with a covered condition. Many people combine the two so they are protected either way. We explain how they work together.
How likely am I to claim?
Serious illness is more common during working age than many people assume, and a payout can clear the mortgage or replace income while you recover. We help you weigh the cost against the peace of mind for your situation.
Why does the policy wording matter so much?
Two policies at similar prices can cover very different conditions and define them differently, for example, how cancer or a heart attack is worded can decide whether a claim succeeds. We compare the quality of cover, not just the premium.