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Get critical illness cover quotes

We search insurers big and small for cover to protect you if you become seriously ill

We search insurers big and small for cover to protect you if you become seriously ill

Frequently asked questions

Critical illness cover pays a tax-free lump sum if you’re diagnosed with a critical illness during the term of the policy. You decide on the length of the policy: many people choose to have cover until their kids have flown the nest, until the mortgage is paid, or until they plan to retire. 

Think of critical illness cover like car insurance: you pay every month or year for it and hope you never ever need to use it, but you feel better knowing it’s there. Just in case.

All critical illness covers include the main serious illnesses you might suffer from - coronary artery bypass, major heart attack, kidney failure, major organ transplant, multiple sclerosis, stroke and a defined set of specific cancers.

The list doesn’t stop there though, as plans can cover many more, along with cover tailored to your kids.

If you're unfortunate enough to need to make a claim, the insurer will assess your situation, and assuming your diagnosis meets the terms & conditions they will payout directly to you. We have a dedicated claims team to help you every step of the way.

Terminal illness cover pays out at the point you're diagnosed with a terminal illness, rather than when you're no longer here.

Critical illness cover protects you if you're diagnosed with a critical, but not necessarily fatal, illness during the length of your protection.

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Critical illness cover, life cover, mortgage protection and more - there's so much choice. If you know what cover you need, great; if not, we're here to help and advise.
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You may need a joint, or a single policy. Not sure what you need?...we can advise, and usually if it's a joint application, we would recommend individual policies.
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The amount you need depends on a number of factors such as your mortgage balance, any debts and a lump sum you may want to leave after these are factored in. Don’t worry – if you’re not sure we can advise you.
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Think about how long you may need to cover life's biggest costs - it may be until a mortgage is fully repaid, until a child becomes financially independent, or until retirement.
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Most insurers will need to know this for a policy, and they may include e-cigarettes and nicotine replacements.

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Frequently asked questions

Critical illness cover pays a tax-free lump sum if you’re diagnosed with a critical illness during the term of the policy. You decide on the length of the policy: many people choose to have cover until their kids have flown the nest, until the mortgage is paid, or until they plan to retire. 

Think of critical illness cover like car insurance: you pay every month or year for it and hope you never ever need to use it, but you feel better knowing it’s there. Just in case.

All critical illness covers include the main serious illnesses you might suffer from - coronary artery bypass, major heart attack, kidney failure, major organ transplant, multiple sclerosis, stroke and a defined set of specific cancers.

The list doesn’t stop there though, as plans can cover many more, along with cover tailored to your kids.

If you're unfortunate enough to need to make a claim, the insurer will assess your situation, and assuming your diagnosis meets the terms & conditions they will payout directly to you. We have a dedicated claims team to help you every step of the way.

Terminal illness cover pays out at the point you're diagnosed with a terminal illness, rather than when you're no longer here.

Critical illness cover protects you if you're diagnosed with a critical, but not necessarily fatal, illness during the length of your protection.

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