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A simples guide to critical illness cover


Should I get critical illness cover?

What is critical illness cover?

Critical illness cover is a life insurance policy that covers you for serious illness or injury.

It can:

  • cover lost income from being off work
  • help pay off your mortgage, or 
  • finance changes you're forced to make to your home

Do I need critical illness cover?

While the government does offer statutory sick pay, this won’t normally be enough to replace your salary.

Ask yourself, “Would my loved ones and I be looked after, if I’m unable to work?”

If you don’t have the savings to cover an extended absence from work, critical illness cover can protect you and your family.

How does critical illness cover work?

You can claim on your critical illness cover if you’re diagnosed with an injury or illness that’s covered by your policy.

Once you’ve been diagnosed, you’ll receive a one-time, tax-free payout.

Some policies have a deferred period, which means you’ll have to wait for an agreed time, before you’ll receive your money.

You can use this money for whatever you like. It could be to cover your salary, pay for treatment or make necessary changes to your home.

What does critical illness cover include?

Which conditions you’re covered for will depend on your policy, but your policy could include:

  • Heart attacks
  • Strokes
  • Cancer
  • Serious physical injuries
  • Physical disabilities following an injury at work

And more…

Can I get critical illness cover?

If you’re over 18 and a UK resident, you should be eligible for critical illness cover.

We can add critical illness cover as an extra when you compare life insurance quotes with Comparethemarket.

Just pop in a few details and we’ll get you a quote in minutes.

Simples

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