Critical illness cover pays a lump sum on diagnosis of a specified serious illness — often taken alongside life cover for a fuller picture of protection.
Unlike life cover, critical illness cover pays out while you're alive, following diagnosis of a condition specified in the policy (commonly cancer, heart attack, or stroke, among others). The list of conditions covered, and how they're defined, varies meaningfully between insurers.
We'll talk through what's covered, what isn't, and how this fits alongside any life cover or income protection you're considering.
Common inclusions are cancer, heart attack, and stroke, though the full list and definitions vary by insurer — we'll show you the specifics.
Yes, this is common — either as a combined policy or two separate ones, depending on what suits you best.
Some policies allow multiple claims for unrelated conditions; others pay out once and end. We'll explain the difference when comparing options.
Tell us what you need and we'll come back to you directly — usually the same day.
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