Critical Illness Cover
Focus on getting better, not on the bills, if serious illness strikes.
Critical illness cover pays a tax-free lump sum if you're diagnosed with a specified serious condition, such as certain cancers, a heart attack or a stroke. That money can cover your mortgage, adapt your home or simply let you take time to recover.
Policies differ significantly in what they cover, so advice matters. We compare definitions and conditions across insurers to make sure you get genuinely valuable protection, not just the cheapest premium.
Key features
Tax-free lump sum
A one-off payment on diagnosis of a covered condition.
Quality of cover
We compare condition definitions, not just headline prices.
Combine with life cover
Often bundled with life insurance for efficient, joined-up protection.
Children's cover
Many policies include cover for your children at no extra cost.
Is this right for you?
This could be a great fit if:
- You'd struggle to pay the mortgage if you couldn't work
- You want a financial cushion during recovery
- You have dependants relying on your income
- You want cover that could adapt your home if needed
Frequently asked questions
What conditions are covered?
It varies by insurer, but typically includes many cancers, heart attack and stroke. We compare the detail so you know exactly what you're protected against.
Is it the same as life insurance?
No — critical illness pays out on diagnosis while you're still living. Many people combine both for fuller protection.
Can I get it if I've had health issues?
Often yes, though terms may vary. We'll match you to insurers most likely to offer suitable cover.
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She went above and beyond her role, putting in extra time and effort to ensure everything was handled perfectly. Her professionalism, patience, and genuine care made what could have been a stressful journey feel smooth and reassuring.Cristina Cilipic · December 2025 28 clients recommend us
Not sure how this differs from life cover?
It's a two-minute explanation on the phone, not a brochure. Ring us and we'll tell you which of the two you need — or whether it's both.
