Critical Illness Cover

Critical Illness Insurance is there to provide you with peace of mind should you ever fall critically ill. Each insurance provider covers a range of core conditions along with a number of additional conditions specific to the insurer.

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Why do I need Critical Illness Cover?

 

Being diagnosed with a serious illness is a life-changing event. You may have to give up work, go through lengthy and difficult treatment, or radically change your lifestyle.

The last thing you want to be doing at this stressful time is worrying about money. So, give yourself and your family financial security by making sure that a tax-free lump sum will be paid if you become seriously ill.

Critical Illness cover provides this vital financial cushion. 

 


“Being diagnosed with a serious illness is, sadly, all too common. In the UK, strokes cause around 100 deaths every day while, on average, someone is admitted to hospital after a heart attack every five minutes. And, someone is diagnosed with cancer every two minutes. You might think ‘it won’t happen to me’, but do you have the protection in place if it does?” – Gwilym Pugh, I’m Insured


 

Peace of mind when you need it most

 

Insurance isn’t just about financial losses. It’s also about peace of mind. 

What would you do if you have to give up work due to a serious illness? Could your family afford to remain in your home if you lost your income? And could you continue to pay your mortgage, rent or other monthly commitments?

Critical Illness cover pays a tax-free lump sum if you have a serious heart attack or stroke, or you’re diagnosed with multiple sclerosis or a life-threatening cancer. 

It also covers a wide range of other medical conditions, ensuring you don’t have to worry about your finances when you should be concentrating on making a full recovery.

 

Getting a personalised Critical Illness quote is easy with I'm Insured

Complete one simple form and compare Critical Illness quotes from some of the UK's leading providers
Speak to independent, trusted specialists who will help you get the cover you need
Save money on your premiums. We intentionally take a lower commission than the standard rate, meaning you benefit from lower prices.

Protection against a wide range of conditions

Critical Illness covers a specified list of illnesses and conditions. The conditions covered varies from insurer to insurer, so it’s important that you compare policies carefully to make sure you know what illnesses each of them covers.

You can typically expect a Critical Illness policy to cover:

  • Permanent and irreversible blindness or deafness
  • Many types of cancer
  • Cardiac arrest with insertion of a defibrillator
  • Coma with associated permanent symptoms
  • Dementia including Alzheimer’s disease
  • Heart attack 
  • Kidney failure that requires permanent dialysis
  • Major organ transplant from another donor
  • Motor neurone disease
  • Multiple sclerosis
  • Parkinson's disease 
  • Stroke 

Note that each insurer has different definitions of these illnesses. For example, some providers will only pay a claim if you have permanent and lasting symptoms, while some minor and less serious conditions (for example, some less serious cancers or a very minor heart attack) may not be covered. Check your policy documents carefully.

In 2018, insurer Royal London reported that the most common reasons for a Critical Illness claim were cancer (64%), heart attack (11%), stroke (8%) and multiple sclerosis (4%). 

 

Additional Resources

Children's Cover

Children’s critical illness is the second most claimed condition covered by a critical illness cover policy according to Ageas Protect…

Find out more
Cancer

Included with critical illness cover, this insurance protects you if you are diagnosed with cancer. Find a policy to suit you.

Find out more

Critical Illness cover FAQs

Do all Critical Illness Cover policies cover the same things?
No. Each Critical Illness policy is different, and the definitions vary from provider to provider. It’s for this reason that it’s important to compare Critical Illness policies carefully. Get in touch with us if you want to know more.
Can I take out a joint insurance policy with someone else?
Yes. You can normally take out your Critical Illness cover either in your sole name, or in joint names – perhaps with your spouse or partner. • Single life – the policy covers one person. Some couples each take out an individual Critical Illness policy which means that both policies could potentially pay out on diagnosis • Joint life – the policy covers two people but will only pay out once. It will typically pay out when the first person is diagnosed with an illness covered under the policy, and then will end.
Why might a Critical Illness Cover policy not pay out?
• You die. Stand-alone Critical Illness cover policies typically don’t pay out on death. Bear in mind that if you have a combined life insurance and Critical Illness policy, the life insurance element will likely pay out in this instance. • If you stop paying your premiums. • If you’re diagnosed with or undergo a medical procedure for a Critical Illness that doesn't meet an insurer’s definition – perhaps because it is minor or non-life-threatening. Even some cancers or heart attacks may not be included in your cover if they are mild. • You did not complete underwriting questions honestly. For example, if you omitted any medical information or told the insurer you didn’t smoke when you did, the insurer may refuse a claim.
Can I get cover if I have a pre-existing condition?
Possibly. If you have a condition, or you have previously undergone medical treatment, you should declare full details of this on your application. Some insurers may offer cover, perhaps at a higher premium. Others might exclude your pre-existing conditions from any claim. If you do have a pre-existing condition, we can obtain bespoke quotes for you – get in touch for details.
Is Critical Illness cover the same as terminal illness cover?
No. Critical Illness cover tends to pay out once a life-threatening condition, such as cancer, has been confirmed by a medical professional. Terminal illness cover is normally included with life insurance policies. It means that, if you are diagnosed with a terminal illness and you are expected to live for less than 12 months, your life cover may pay out immediately, rather than on your death.
If I don’t make a claim during the term of my Critical Illness policy, will I get anything back?
If you reach the end of the term and you haven’t made a claim, it is very unlikely your policy would have a cash-in value.

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