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When you become seriously ill, you have enough to worry about without thinking about your finances

Critical Illness Insurance goes beyond peace of mind. It’s a financial safety net that helps you weather unexpected illness and unable to work. It provides a lump sum payout that empowers you to weather the storm.

This can mean covering essential bills, exploring advanced treatment options, or even adapting your home for a smoother recovery.

Ultimately, Critical Illness Insurance gives you the freedom to focus on healing, knowing your finances are protected.

Benefits of Critical Illness Cover

Your insurance payout could be used in key ways to help improve your life while you recover. Here are a few examples…

Pay off your mortgage, loans, credit cards or an overdraft

Cover your living costs if you’re unable to work

Pay for advanced specialized treatments you need

Adapt your home and make it easier to live with your condition

What’s included in Critical Illness Cover

What’s covered

  • Your cover payment is triggered by diagnosis and/or treatment of one of the conditions covered by your policy. These vary according to the insurer.
  • Your cover amount is paid out in full, but your policy will then come to an end.
  • Some insurers also cover early stages of some conditions, giving a partial payout when you are diagnosed or placed on an NHS waiting list for treatment. If this is the case, you do not need to wait until you have surgery or develop permanent symptoms to receive a payment. This can be very helpful if you wish to get private medical treatment, rather than waiting for the NHS.

What’s not covered

  • Being diagnosed with an illness or condition not listed in the policy.
  • Some insurers require you to survive a certain number of days after treatment in order to receive the policy payment.

Critical Illness Cover FAQs

How does critical illness cover work?

Critical illness insurance provides a financial safety net if you’re diagnosed with a covered illness or need a major medical procedure. As long as you survive a set period of time after diagnosis, you and your loved ones will receive a cash lump sum. This money can help cover expenses like childcare, bills, or even maintain your lifestyle if you need to take time off work to recover.

How much critical illness cover do I need?

The cost of critical illness cover is unique to you! It depends on what you want covered, your desired monthly payment, and the policy length. We consider factors like policy term, coverage amount, and your health history to create a personalized quote.

For an accurate estimate, please contact our team of expert advisors who are ready to help.

Do I need critical illness protection?

Whether you’re worried about critical illness, lost income, or even death, there’s a protection plan to fit your needs. The key is to figure out what kind of security is most important to you.

Critical illness can strike anyone, anytime, and it can wreak havoc on your finances. If a serious illness leaves you unable to work, critical illness insurance can be a lifesaver. It’s one way to manage the financial burden on top of the health challenges.

Should I have the same level of cover for my life insurance and critical illness cover?

Life insurance and critical illness cover are separate products designed for different situations.

This means you don’t have to choose the same coverage amount for both. Consider what’s most important to you: a safety net for your loved ones in case of death (life insurance), or financial support if you get seriously ill (critical illness cover).

Feeling unsure? Please contact our team of expert advisors who can help you figure out the right combination of coverage for your situation.

What age should you get critical illness cover?

Early is generally better for critical illness cover, as it offers financial protection from a serious illness and the associated medical expenses. However, it’s important to consider your budget. If you can’t afford it in your 20s and 30s, aim for coverage in your 40s or later.

Shield your income and family’s financial security with Critical Illness Cover

Get the most of your critical illness cover with our expert advisors who will walk you through your options and help you find the perfect policy.

Call for free advice208 903 9955
You can alsoRequest a Quote