A simples guide

Critical illness cover

If you or a loved one were to suddenly become seriously ill with a long-term illness, could you still afford to pay your bills? Unfortunately, it’s a far too common reality that people have to face each and every day, but there is something you can do to protect yourself financially. Critical Illness Cover within a life insurance policy will make life a little more bearable and will take the financial pressure off, so you can just focus on getting better.


This is a policy you hope you never claim on, but if you have to, then you’re really going grateful you had the cover. So make full use of our price comparison service and make sure you have a policy that will cover and support you when the going gets tough.


What is critical illness cover?

It’s part of a life insurance policy and is designed to cover you if you fall sick with a variety of different conditions or injuries. Whilst unable to work, you will have financial security from your insurance provider to help overcome this challenging time.

Critical illness is an all-encompassing term for conditions like cancer that has not been diagnosed as terminal, a heart attack, a stroke, multiple sclerosis or a physical disability as a result of injury for example. 

parent and child

How does critical illness cover work?

You’ll get a tax-free lump sum if you ever have to claim that can help you with your mortgage or rent, debts, and even for alterations to your home if your condition requires it.

Policies will vary, so different illnesses will be covered by different providers, so you should make sure you check the details carefully. It is also important to know the details of how you will be treated after diagnosis and how payments will relate in those circumstances.

You may very well find that your policy may pay out different amounts depending on the type of condition, so it’s important to make sure you are fully aware of your policy cover in advance.

Am I eligible for critical illness insurance?

Typically as long as you are a UK resident who is over 18 then you are eligible. You need to have a UK bank account too, but this is really the only criterion.

It is also important to make sure that you are able to afford the monthly payments.

How much does critical illness cover cost?

The amount that you can expect to pay for your critical illness cover is very dependent on the amount of cover you are looking for, any existing health conditions you may have and many more factors that are taken into account.

Where can I get critical illness cover at a fair price?

There are insurers whose policies and prices are evaluated daily and quote via different criteria, essentially making it more difficult for any single provider to be called the most affordable. It is important to explore the market and consider your options to find the best price and cover available to you.

So head over to our life insurance price comparison service and make sure you select critical illness cover. Then you’ll know that if the worst happens, you can just worry about improving your health and you won’t have the financial pressure to cope with as well.