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Appointed Representative of The Right Mortgage Network (FCA No. 1004260). Company No. 15189091. Registered in England and Wales.
Life & Health
"You survive. The bills don't stop."
Critical illness cover pays out a tax-free lump sum if you're diagnosed with a serious illness things like cancer, a heart attack, or a stroke. It's not about dying. It's about what happens when life suddenly changes.
What is critical illness cover?
Critical illness cover pays you a tax-free lump sum if you're diagnosed with one of a list of specified serious conditions. That money is yours to use however you need i — clearing your mortgage, funding private treatment, adapting your home, or covering living costs while you recover.
Most people insure their car without thinking twice but statistically, you're far more likely to suffer a serious illness during your working life than to die. Critical illness cover fills that gap.
Policies vary significantly in how many conditions they cover and how broadly they define them. Getting the right policy not just any policy is where we add real value.
Who needs this?
- You have a mortgage you couldn't pay if you were seriously ill
- You're self-employed and couldn't rely on employer sick pay
- You want to fund private treatment without draining savings
- You'd want to adapt your home or take time off work to recover
What's covered
The detail that matters
Covered
Cancer (most types)
Heart attack and stroke
Organ failure and transplant
Multiple sclerosis and Parkinson's disease
Many policies also include children's critical illness as a free add-on
Not covered
Conditions not listed in the policy
Claims where the condition doesn't meet the policy definition
Undisclosed pre-existing conditions
Claims made within the initial exclusion period
Common questions
Things people ask us
Do I need both life insurance and critical illness cover?
What conditions are covered?
What does "meets the definition" mean?
Ready to get started?
Book a free, no-obligation appointment.
Straight advice, no jargon.
Straight advice, no jargon.
Also Consider
Products that work well alongside this
Life Insurance
Life insurance gives you peace of mind that the people you love will be looked after when you're gone. A policy pays out a lump sum on death, giving your family financial breathing room at the hardest time.
Learn more
Fracture Cover
Fracture cover pays you a cash lump sum if you break a bone — no questions about lost earnings, no waiting to prove you can't work. It's fast, simple, and surprisingly affordable.
Learn more
Children's Critical Illness
Children's critical illness cover pays out a tax-free lump sum if your child is diagnosed with a serious illness. So that if the worst happens, money is the last thing on your mind.
Learn more