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Compare critical illness cover quotes

Help protect what's most important to you.

Help protect what's most important to you.

Help protect what's most important to you.

Help protect what's most important to you.

Help protect what's most important to you.

Not sure where to start?
Give our friendly team at Lifesearch a call.
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0800 072 1147

Critical illness cover is a type of life insurance policy that offers protection in the event of a serious illness or injury. If a policyholder suffers from a specific illness or injury, a pay-out is made by an insurance provider in the form of a lump-sum, which can be tax-free.

There are two types of critical illness cover:

  • Additional cover policies can pay out more than once. It will pay out if you are diagnosed with a critical illness and in the event of death.

  • Combined cover policies pay out 100% of your chosen cover amount upon diagnosis of a critical illness or at death (not both).

A critical illness can include heart attacks, strokes and non-terminal cancer. Critical illness insurance can also cover you if you’ve suffered a physical disability following an injury, such as after a serious accident at work. Exactly what’s covered by critical illness insurance will depend on the specific details of the life insurance that you take out.

Frequently asked questions

How is critical illness different to terminal illness cover?

Critical illness tends to pay out if a person suffers a serious ailment that’s not life threatening.

Terminal illness is an incurable disease where a person is expected not to live longer than within 12 months of their diagnosis. A policyholder is typically paid out a lump sum once their life-threatening condition, such as cancer, has been confirmed by a medical professional.  

It's worth being aware that most insurance providers will include terminal illness – which also could include illness or injury resulting in total and permanent disability (TPD) – as part of their life cover.

Where can I buy critical illness insurance?

There are providers who offer standalone critical illness policies, but this cover type is typically bought as an add-on to a term life insurance policy. You can’t buy this type of cover as a standalone policy on our site, but you can select critical illness insurance as an add-on during the quote and on the results page.

If you have any further questions you can call our partner LifeSearch, a specialist adviser for life insurance, on 0800 072 1147 (Mon – Thurs: 8.00am – 8pm Fri: 8.00am – 7pm Sat: 9.00am – 2.30pm Sun: 10 am - 3.30pm). 

Are all policies the same?

No. What defines a critical illness varies from provider to provider. This is why it’s really important to know what is and isn’t covered by your policy. It’s likely that your policy will pay out different amounts depending on the type of condition you’re diagnosed with.

The policy you’re offered will depend on lifestyle factors and other considerations, such as any pre-existing medical conditions you might have.

Am I eligible for critical illness cover?

As long as you’re a UK resident and over 18, then you should be eligible for critical illness cover. As with all life insurance policies, this is subject to other factors, including your lifestyle and medical history.

You’ll also need to have a UK bank account so you can pay the monthly premiums via direct debit. It’s important to make sure that you can afford the monthly premiums when you take out cover.

How long does a critical illness cover policy last?

If you pass away within the term of a decreasing term policy, and you’ve kept up repayments, then you should get a pay-out. If your policy ends and you’re still alive, the policy will usually lapse. That means you won’t get any of your money back and it’s then up to you if you want to renew the policy, or find a different type of cover.

Are there policies that last for the whole of my life?

Yes. These are known as life assurance policies, or whole of life policies. Unlike term policies, these don’t expire. They tend to be more expensive than term insurance products. Learn more about how whole of life insurance could meet your needs.

How much could a policy cost?

There are a number of factors that will affect the overall price of your policy. These include:

  • Your medical history
  • Your lifestyle, including whether or not you smoke
  • Your job
  • Your age
  • The sum you want to be insured for
  • The policy length

As there are so many variables and each insurance provider assesses these variables in different ways, the quotes you receive for life insurance can vary.

How can I find the right term cover for me?

Our cheapest quotes may not necessarily be best for you - it’s important to remember that each policy will have different conditions and exclusions. Therefore, you should always choose life insurance with a great deal of care. Get peace of mind today and start a quote.

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