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Insurance isn’t just about covering financial losses, it’s about giving peace of mind. 

That’s never more so than with critical illness cover, which pays out if you get a serious illness. It’s a complex affair however, which is why we offer both a comparison service and a personal quote.

The main principle of critical illness cover is that you pay premiums for a set period; in return, the insurer pays out if you are diagnosed with a critical illness. Exactly what this covers can vary widely. Every insurer covers common conditions such as heart attacks, strokes and most forms of cancer, with 50 or more stated conditions not being an unusual number, but the precise list can vary.

In many cases, your policy will also payout if your child is diagnosed with one of the cover conditions. Usually the payout amount will be around half of the cover amount that applies to you.

For the most part, critical illness policies also pay out immediately if you are diagnosed with a terminal condition that means you are likely to die during the cover period. Most policies can also cover one or both of a couple of other forms of life insurance: level term, which pays out a flat amount if you die (whether or not its from a critical illness); and mortgage life insurance, which pays off your outstanding mortgage if you die.

What our customers say

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Sarah from Mansfield

Before coming to I’m Insured I tried all of the major comparison sites. I wasn’t happy with the prices I was given until I found I’m Insured.
They managed to beat all the previous quotes and insure me at the price I wanted to pay.

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quote

Mark From Newport

I work in the industry and I was very impressed with the service. The representative took his time to run through everything and answered all my questions with ease. Finally, and most importantly, the cost of the product taken was also very competitively priced. Would highly recommend.

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Paul From London

Gwilym of I’m Insured was an excellent consultant when I changed my family’s life insurance and critical illness cover….
Gwilym of I’m Insured was an excellent consultant when I changed my family’s life insurance and critical illness cover. I asked him a lot of searching questions over a period of time before deciding, and he remained patient and extremely helpful at every stage, customer service at its very best! I ended up with a combination of products that saved me money every month, yet had much more comprehensive cover than my previous arrangement.

Read more
quote

Sarah from Mansfield

Before coming to I’m Insured I tried all of the major comparison sites. I wasn’t happy with the prices I was given until I found I’m Insured.
They managed to beat all the previous quotes and insure me at the price I wanted to pay.

quote

Mark From Newport

I work in the industry and I was very impressed with the service. The representative took his time to run through everything and answered all my questions with ease. Finally, and most importantly, the cost of the product taken was also very competitively priced. Would highly recommend.

quote

Paul From London

Gwilym of I’m Insured was an excellent consultant when I changed my family’s life insurance and critical illness cover….
Gwilym of I’m Insured was an excellent consultant when I changed my family’s life insurance and critical illness cover. I asked him a lot of searching questions over a period of time before deciding, and he remained patient and extremely helpful at every stage, customer service at its very best! I ended up with a combination of products that saved me money every month, yet had much more comprehensive cover than my previous arrangement.

WHY CHOOSE US?

There’s also a range of possible add-on benefits that relate to illnesses.

These include payments to cover the time you spend in hospital, childcare costs while you are ill, and accommodation costs for your family if your child is in hospital away from your home area. Bear in mind that these add-ons only cover the listed critical illnesses, rather than general ill health or accidents.

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