Critical Illness Cover

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What is it?

Critical illness cover is a type of insurance policy designed to provide financial support if you are diagnosed with a serious illness. Critical illness cover offers several significant benefits that can provide peace of mind and financial stability during challenging times.

The Benefits

What are the benefits of 
Critical Illness Cover

Here are the key benefits of critical illness cover, and how it can be used to enhance your protection needs


Pays out on diagnosis

The main primary benefit for critical illness cover, is that the policy will pay out once you are diagnosed with a critical illness.

This means that the funds are available at a time that you need the additional support. 

Upon diagnosis of a covered illness, the policyholder receives a lump sum payout. This money can be used to cover a variety of expenses, such as medical bills, living expenses, and mortgage payments. This immediate financial support helps alleviate the stress of managing expenses during a time when income might be reduced due to inability to work.

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Tailored to specific needs

Critical illness payouts can be used for anything.

For example, you may wish to cover an amount equal to a few years salary so that you can focus on getting better without haveing to worry about work. Or even cover enough to pay off your mortgage and other debts to leave you free from financial worries. 

Our advisers can get to the bottom of what is important to you, and get the cover you need

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Additional Death Benefit

Many policies can be setup to pay out either on diagnosis of a critical illness or death – allowing a simple and cost effective way of covering what you need the most.

This is crucial for your family in case the worst happens, but also gives the flexibility that the payout would potentially happen earlier than death – allowing you to benefit from the cover.

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Cover for serious illness

Critical illness cover typically includes a range of serious conditions such as cancer, heart attack, stroke, and major organ transplants.

Each policy will list specific illnesses and conditions that are covered.

This comprehensive coverage ensures that if you are diagnosed with a major health issue, you will receive the necessary financial assistance to cope with the situation. Some policies also offer partial payouts for less severe conditions, providing additional support.

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Best with others  

Critical Illness Cover is normally taken alongside Life Insurance to add a layer of additional benefit for the policy holder.

The hope is that the critical illness policy can cover the costs to help you get over the illness or condition, through ensuring financial stability whilst you deal with getting better, and if arranged with seperate life cover, can mean that you are still covered should the worst happen.

What can it help with?

Critical Illness cover allows assistance in times of need.

Protection for Mortgage Payments

One of the significant uses of the lump sum payment from critical illness cover is to protect your mortgage payments. Falling behind on mortgage payments due to illness can lead to severe consequences, including repossession.

The payout can be used to keep up with mortgage payments, ensuring that you do not lose your home during recovery.

Supplement to NHS Care

While the NHS provides excellent medical care, there can be limitations in terms of waiting times and the availability of certain treatments. The lump sum from a critical illness cover policy can be used to pay for private treatment or specialist care that may not be readily available through the NHS. This can lead to faster treatment and better outcomes.

Support for Household Bills and Living Expenses

In addition to covering medical costs and mortgage payments, the payout from critical illness cover can be used to manage household bills and daily living expenses.

This support is vital, as utility bills, groceries, and other living costs continue even when your income may be reduced. Having financial assistance to cover these expenses allows you to focus on recovery without the added stress of unpaid bills.

Get covered

Critical illness cover offers a range of benefits that provide essential financial support and peace of mind if you are diagnosed with a serious illness.

From ensuring mortgage payments are made to covering household bills and medical expenses, this type of insurance helps protect your financial stability during a challenging period.

Tailored policies, tax-free payouts, and the ability to supplement NHS care further enhance the value of critical illness cover, making it a wise choice for many individuals in the UK.