What is Critical Illness Cover?

Critical Illness Cover

Pays a tax-free lump sum if you're diagnosed with a serious illness.

What it does

Critical illness cover pays out if you’re diagnosed with a serious condition listed in your policy — like cancer, heart attack or stroke. You can use the payout for anything:

- Paying bills

- Covering time off work

- Private treatment or care

- Paying off a mortgage or debt

Most policies cover 30–50 conditions. Some include early-stage cancers and children’s illnesses too.

Who it's for

- Anyone with rent, a mortgage or dependants

- People who want financial breathing space during serious illness

- Those without large savings to fall back on

Example

A 42-year-old teacher was diagnosed with breast cancer. Her critical illness cover paid out £100,000, giving her time off work and money for treatment without financial stress.

Common question

Can I claim and still work?
Yes. If your diagnosis matches the policy definition, it pays out — regardless of your work status. This is different from income protection, which replaces income if you can’t work.

Get a quote

Critical illness cover can't fix your health, but it can remove financial pressure at the worst time.
Speak to us for straight answers and clear quotes based on your situation.