Critical illness cover is a type of life insurance that pays out a lump sum if you suffer from a serious illness or injury that’s listed on your policy. It doesn’t cover you in the result of your death and when it’s paid out once, the policy ends.
There are two types of critical illness insurance:
Critical illness life insurance isn’t a legal requirement, getting cover is your choice. Critical illness cover will give you financial protection if you were to suffer from a serious illness or disability. The government can offer some help in the form of sick pay but it’s usually capped at £100, which could be too low to replace your income. If you don’t have sufficient savings to cover an extended period of illness, you might want to consider taking out a critical illness insurance policy.
This all depends on your personal circumstances. When comparing critical illness cover and getting quotes, you’ll need to provider the following details:
If you already have a life insurance policy in place, adding critical illness cover to your existing policy is normally quick and easy. If you’re looking to take out critical illness cover only, you need to consider more than just the price. Cheap critical illness cover isn’t necessarily the best critical illness cover. We recommend that you read critical illness cover reviews from a variety of insurers to get an idea of how good the cover is and how they handle claims. You want to make sure you’ll be in safe hands if you ever need to make a claim.
The specific illnesses that are covered will differ depending on the life insurance that you take out, but critical illness cover typically includes heart attacks, strokes and non-terminal cancer. It can also protect you if you’ve become permanently disabled following an injury. Be aware that not all illnesses are covered and most policies will state how serious the condition must be for you to make a claim.
Some serious conditions and advanced cancers are often excluded from critical illness life insurance. Like most insurance policies, it’s unlikely that you’ll be covered for any pre-existing conditions. Make sure you thoroughly read through your policy and the terms and conditions so you know exactly what is and isn’t covered.
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Provider
With critical illness cover
Review Score
Minimum cover limit
Life insurance quote
Maximum cover limit
£30.21
per month
1st of 10
£16.20
per month2nd of 10
£21.82
per month3rd of 10