Coronavirus Life Insurance updates. Find out what your Insurer is doing

Life Insurance Critical Illness Cover News Contact Us

We'll help you find the best critical illness insurance quote.

Cashback of 10% of your first years premiums

We pay 10% of your premiums paid up to a maximum of £200.

Save time and money

Get your quotes by filling in one simple form, compare prices, and get saving.

Search the whole of market

I'm Insured is an independant broker with access to the whole of market to find you the best deal possible.

It's 100% secure

Our quote form uses 128-bit SSL encryption for your peace of

Buy online and save

I'm insured offers quotes from providers cheaper than if you were to apply direct.

Totally independent & unbiased

We aren't owned by or have any investment from any insurance company.

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.


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.

Start saving today