Critical Illness Cover

A lump sum if you become seriously ill
Get advice & quote Call 0800 316 7253

Why Critical Illness Cover?

  • Critical illness cover is bought alongside life cover, or on its own
  • It pays out a tax-free lump sum - or income - if you're diagnosed with a serious illness or, in some cases, life-altering injury
  • Depending on the policy it can also cover your children

Why expert advice makes the difference

  • Different policies cover different illnesses - we'll help you choose what matters
  • Like most things in life you get what you pay for and cheapest is rarely best. Our advisers find the best cover to fit your needs
  • We'll advise how you can combine critical illness cover with another LifeSearch policy, or to complement any other policies you have

Watch our Critical Illness Cover video

Frequently asked questions about this type of policy

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.

Read more about what is covered by critical illness insurance here.

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.

These products often get confused as they both pay out in the event of illness. However, whilst critical illness cover provides a lump sum when you are diagnosed with a covered illness, income protection insurance provides a regular portion of your income if you are unable to work.
One of the great things about critical illness insurance is that the funds you receive upon claiming are not counted as income, and are therefore not taxable.

Critical Illness Cover- advice and guides

We've picked 3 guides we think you'd like, but you can visit the Advice & Guides hub for more.

A quick guide to critical illness insurance

Did you know that critical illness insurance can protect you against over 50 different illnesses? 
Read more

The low-down on protection insurance

Protection insurance looks after your most important asset, take a few minutes to understand how in this handy guide.
Read more

Life insurance or critical illness insurance?

Here we take a look at two popular insurance products and help you work out which one you might need!

Read more

Read the latest news and views in the LifeSearch Blog

Can I cancel my life insurance and get a refund?

Thinking about cancelling your protection insurance? Here’s what you need to know

Do I need life insurance or critical illness insurance?

Here we take a look at two popular insurance products and help you work out which one you might need

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47 years old - the average age of a claimant

Heart attack, cancers and stroke account for over 80% of claims

LifeSearch Limited is an Appointed Representative of LifeSearch Partners Limited, who are authorised and regulated by the Financial Conduct Authority. Calls may be monitored/recorded.