Diagnosed with something serious. Cash in the bank.
Critical illness cover pays a tax-free lump sum if you're diagnosed with a specified serious illness, typically cancer, heart attack, or stroke. It doesn't matter whether you can work. The money is yours to use as you choose.
Initial consultations are completely free of charge. There's no obligation to proceed and there is no fee for protection advice.
Should you fail to disclose or misrepresent a fact, then you risk the insurer only paying part of a claim, declining to pay all of the claim or possibly declaring the policy invalid.
- Lump sum on diagnosis (not death)
- 80+ conditions typically covered
- Standalone or combined with life insurance
- Children's cover included on many policies
- Waiver of premium if you cannot work
What is critical illness cover?
Critical illness cover pays a tax-free lump sum if you are diagnosed with one of the serious conditions named in the policy and you meet its definition. It is designed to take financial pressure off at a point when you may not be able to work, without you having to touch savings or sell anything.
The important detail is what each insurer actually covers, because the lists and the wording behind them vary considerably. Two policies at a similar price can behave very differently at claim, that comparison is the job.
Questions about Critical Illness Cover
Talk to me before you decide anything.
Free call, no commitment. I'll give you the honest picture and a recommendation that's right for you.
Initial consultations are completely free of charge. There's no obligation to proceed and there is no fee for protection advice.