Critical Illness Cover

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.