Critical Illness Cover

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What is critical illness cover?

People often overlook the advantages of critical illness cover because they think the worst is never going to happen to them – but they do so at their own risk.

Critical illness cover is a type of insurance that should pays out if you are diagnosed with a life-threatening illness such as cancer. The funds from the payment are tax free and can be used in any way you like. You might want to pay your income while you are not able to work,  pay for treatment at a private hospital or pay a lump sum off your mortgage.


Who needs critical illness cover?

There are a number of reasons why you might want to take out critical illness cover:

  • If you are self-employed you might take out critical illness cover in case you get a serious illness and are too ill to work
  • If you’re single, you might choose to take out a critical illness policy to make sure that your mortgage is paid if you are unable to work for a period of time
  • If you are a parent, you may take the cover because you want to make sure your family is financially stable even if you can’t work

What does critical illness cover include?

It is worth noting that a critical illness and terminal illness are different things – a standard life insurance policy should cover any illness where you are expected to die within 12 months of diagnosis.

Critical illness cover usually includes some types of cancer, strokes and heart attacks and  may include others such as:

  • Type 1 diabetes
  • Parkinson’s disease
  • Deafness
  • An organ transplant
  • Bacterial meningitis