5 Star Trustpilot Cover
Critical Illness
What is Critical Illness Cover?
Critical illness insurance provides tax-free cash if you’re diagnosed with a serious illness, helping ease financial stress when you can’t work.
Understanding critical illness cover can feel overwhelming, but we’re here to help.
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Critical Illness Cover
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Frequently asked questions
Critical illness cover is an insurance policy that provides a tax-free lump sum if you’re diagnosed with a serious condition covered by your policy. This can help with medical costs, household expenses, or other financial commitments while you focus on recovery.
Coverage varies by provider, but common illnesses include heart attacks, strokes, certain types of cancer, and major organ transplants. Always check the policy details to ensure it meets your needs.
Life insurance pays out when you pass away, whereas critical illness cover provides financial support while you’re still alive but unable to work due to a serious condition. Having both can offer more comprehensive protection.
The amount depends on your financial situation, such as mortgage payments, family expenses, and medical costs. Our expert brokers can help tailor a policy to suit your needs.
Most policies have a waiting period before a payout is processed. However, once your claim is approved, funds are typically released quickly to help support you during recovery.
It depends on the condition and the insurer’s policy. Some conditions may be excluded, while others may affect your premium. Speaking with an expert can help clarify your options.
✅ Fill out a short form with your details.
📞 Speak to an expert broker who will guide you through your options.
📝 Get personalised cover in just minutes!