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Critical Illness Cover

Being diagnosed with a critical illness is hard enough without added financial pressure. We can help you and your children get covered in the event of a critical illness diagnosis, giving you the mental space to focus on your health.

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What is Critical
Illness Cover?

Critical Illness Cover can help to give you the financial freedom to focus on recovery.
You can receive:

  • Tax-free payout of between GBP500 - GBP500k if you're diagnosed with a qualifying critical illness
  • Up to GBP25k tax-free payout to cover a maximum of 3 children at no extra cost
  • Claim on your critical illness cover even if you're still in work
  • GBP5k funeral cover for up to three children in the unimaginable event of their passing
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Why is Critical Illness Important?

Stability
for Freelancers

Critical Illness Cover can help to provide financial stability if you're self-employed or freelance and can't claim sick pay.

Financial Protection Against the Unexpected

You can never predict when critical illness may strike. Last year, several major insurers reported their youngest claimant to be between 21 and 22 years old.

Cover for
Your Kids

You can receive a payout of up to GBP25k if your children are diagnosed with a critical condition, included as standard in your policy. We also offer GBP5k funeral cover for up to 3 kids if they sadly pass away.

Financial
Peace of Mind

Critical Illness Cover can help to support you and your family financially, so you can take the time to focus on recovery without worrying about the bills.

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What's Included in Critical Illness?

What's Usually Covered

  • 35 Critical Illnesses, including cancer, strokes and heart attacks
  • Enhanced payouts for certain types of cancer
  • Waiver of premium and total permanent disability available as optional extras
  • Cover against critical illness for up to 3 children
  • GBP5k funeral cover for up to three children

What's Not Covered

  • Diagnosis of critical illnesses not listed in your policy
  • Diagnosis of conditions that don't meet the severity specified
  • Any preexisting condition that the insurer decides to exclude
  • Children younger than 30 days old or older than 18 (or 21 if in full time education) are not eligible for Critical Illness Cover
  • Children older than 18 (or 21 if in full time education) are not eligible for GBP5k funeral cover
  • You must survive at least 10 days after your diagnosis to be able to make a claim
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Typical Critical Illness Claims

Cancer

There are 3 million people currently living with cancer in the UK, and this number is predicted to double to 5.3 million by 2040.1

Stroke

More than 100,000 people in the UK suffer a stroke each year, that's 1 every 5 minutes.2

Heart Attack

Between 2021 and 2022, more than 84,000 people were admitted to hospital due to a heart attack, an increase of more than 7,000 in just one year.3

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Don't just take our word for it.

Daniel is always such a joy to speak…

Daniel is always such a joy to speak to. He's knowledgeable, helpful and builds trust on such big topics.

Rebecca Kirk

Really good service

Really good service, thorough and professional. Would recommend.

Colette O'Donnell

Daniel Bassin made the whole experience…

He took time to explain everything in detail and managed to find the best quote for me.

Laina Murape

Can't ask for more

Very knowledgeable and friendly, and I was happy with the deal I got.

hayley

Excellent service.

Daniel explained every aspect of the policy and made sure we understood the fine print.

Bharath

Liam was brilliant

I asked a lot of questions, he was happy to answer, and I have the right products for me.

Alison Waller

Professional and helpful

Always find the best deal on the market and check in to make sure the product still fits.

Steve

Very helpful

Easy to set up and found a good policy that suited my needs.

Gill McColm

Rated Excellent | 4.8 out of 5

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Three steps towards
financial peace of mind

Start my free quote
1

Fill in the form

It's just a few questions, no confusing financial jargon, and you'll be done before the kettle's boiled. Once you're ready, just hit 'send'.

2

Talk to us

Expect a call. Not from a robot, but from a real person who's here to help you find the right cover for you and your family.

3

Relax

Let's be honest, you're a mum and you've got loads on. So we'll handle the tricky stuff while you get on with your day. Simple, huh?

Critical Illness FAQ's

What is Critical Illness Cover?

Critical Illness Cover is designed to provide a one-off cash payment in the event that you become critically ill. This money can be used to cover bills if you're unable to work, support with medical expenses, or just provide some peace of mind that your finances are in order while you recover.

What does it cover?

Following our initial chat with you we'll provide a list of illnesses your policy will and won't cover, based on your health and lifestyle, however the most common claims for Critical Illness Cover include cancer, stroke and heart attack.

What does Critical Illness Cover cost?

Like Life Insurance, the cost of Critical Illness Cover will depend on your health and lifestyle, as well as the payout amount. To receive an accurate quote for cover, it's always best to speak to one of our team for a no-obligation chat.

References

[1] https://www.macmillan.org.uk/dfsmedia/1a6f23537f7f4519bb0cf14c45b2a629/9468-10061/2022-cancer-statisticsfactsheet

[2] https://www.stroke.org.uk/what-is-stroke/stroke-statistics

[3] https://www.independent.co.uk/news/health/symptoms-heart-attack-rates-uk-b2393190.html

[4] https://www.covermagazine.co.uk/news/4120593/brain-conditions-account-14-avivas-ci-pay-outs-2022

[5] https://moneypeopleonline.co.uk/lv-critical-illness-claims-statistics-2022/