Critical Illness Cover

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What is Critical / Serious Illness Cover

Critical illness insurance provides a lump sum if you are diagnosed with certain illnesses or disabilities. The tax-free payout can help you and your family’s finances while recovering.

The most claimed conditions are Cancer, Heart Attacks, Strokes, Multiple Sclerosis, and Children’s Critical illness cover.

Some providers will offer children’s critical illness as standard, whereas other providers will give you the option to add this to the Critical illness cover. 

Why Do I Need Critical Illness Cover?

Critical Illness can hit us at any stage in our lives, for example, a cancer diagnosis. On average, people are £891 worse off each month due to a cancer diagnosis (Macmillan Cancer Support Research, 2020). Having cover in place can reduce the financial impact of this. 

It’s time to think about serious or critical illness cover if:

  • You and your family rely on your income
  • You have children
  • You’re a single-income household or are the primary breadwinner
  • Government benefits wouldn’t cover your outgoings, or you’re not eligible.

Our advisers will review your circumstances, including any current health issues, and explore the market to find critical illness cover that meets your current needs.