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Critical illness cover pays out a one-off, cash lump sum if you are diagnosed with a serious illness. The money can help to cover living expenses if you are unable to work, meet the costs of any adjustments or adaptations to your home, or simply take the worry away, leaving you to concentrate on getting better.

Setting up cover is simple and straight forward – you decide how long you want the cover to last and how much you want it to pay out. In the event that you are diagnosed with one of the conditions listed in your policy, you will receive the payout in a tax-free lump sum.

Critical illness cover FAQs

Critical illness cover is a type of insurance that protects you, should be diagnosed with a critical illness during the term of the policy.

Critical illness will pay-out a tax free lump sum should you be diagnosed with a critical illness that is covered by your policy. You can tailor the quote to your needs; you can choose the term of the policy and the pay-out amount.

This varies depending on the provider, but in general, the conditions and illnesses covered include:

  • Some types of cancers
  • Heart attacks
  • Strokes
  • Brain tumours
  • Parkinson’s disease
  • Disabilities such as blindness, deafness or loss of limbs

Our advisers will be able to discuss the conditions covered in more detail and a full list will be included in your policy documents.

The cost of your critical illness policy is comprised and affected by several things, such as:

  • Type of policy (Single or joint application)
  • Age
  • Occupation
  • Medical and health history
  • Lifestyle
  • Level of cover

Life insurance pays out in the event of your death, or, where it includes terminal illness cover, when you are diagnosed with a terminal illness and have 12 months or less to live.

Critical illness pays out when you are diagnosed with a serious condition or illness as listed in your policy. The illness or condition does not have to be terminal.

Critical illness cover can complement a life insurance policy, giving you more complete protection overall and greater peace of mind.

What information do i need to get a quote?

Your health

Your occupation

Your age

Your lifestyle

Other types of protection

There are several types of protection to consider, which all have different benefits. Our qualified protection advisors will be able to tell you what's best for you.