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Critical Illness Cover

Critical Illness Cover

SAFETY FOR YOU AND THE ONES YOU LOVE

Get Critical Illness Cover
  • Ensure your loved ones aren't burdened with financial strain during tough times.
  • Sleep easier knowing that unexpected health challenges won't unbalance your financial stability.
  • With coverage in place, your primary concern can be healing, not bills.

COMPARE CRITICAL ILLNESS INSURANCE QUOTES FROM LEADING PROVIDERS

Compare deals from top UK insurers to get affordable critical illness cover that fits your needs, all in one spot. Our partnered adviser will compare quotes to find the most suitable option for you.
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Get Critical Illness Cover

WHAT IS CRITICAL ILLNESS COVER?

Critical illness cover is like a safety net. If you get really sick with something listed in the insurance plan, like a major heart problem or serious disease, they give you a tax-free cash amount.

This money can help with things like bills if you can't work, medical treatments, or changes you might need to make at home because of your illness. It's there to make things a bit easier for you and your family during tough health times.

DO I NEED CRITICAL ILLNESS COVER?

If you fall seriously ill, critical illness cover provides essential financial assistance, especially if you lack substantial savings. This support can help manage expenses like:
  • 1

    Covering Essential Bills

    An illness might mean more time at home, leading to increased household expenses. Critical illness cover can help manage these costs, from rising utility bills to necessary home modifications.

  • 2

    Healthcare Choices

    Depending on the severity of your condition, you might opt for private healthcare. This insurance can assist in covering some, if not all, of these unforeseen medical expenses.

  • 3

    Lost Income

    If an illness prevents you from working, this cover can supplement lost earnings. While it might not replace your full income, it can significantly ease immediate financial burdens.

  • 4

    Rent or Mortgage Concerns

    Facing a critical illness can disrupt your ability to meet regular housing expenses like rent or mortgage. Critical illness insurance offers a financial safety net, ensuring home stability during health challenges.

  • 5

    Supporting Dependents

    It's not just about you. If others rely on your income—be it children, a spouse, or elderly relatives—this cover ensures they're provided for during challenging times.

HOW DOES CRITICAL ILLNESS COVER WORK?

When you take out critical illness cover, you'll commit to paying a premium. This can be on a monthly or annual basis. It's crucial to keep up with these payments; if you do, you'll be protected if you're diagnosed with a specific illness or injury that's covered by your policy.

Every insurance provider has a detailed list of the critical conditions they cover. It's essential to familiarize yourself with this list because if you're diagnosed with a condition that's not included, you won't receive a payout. The severity of the diagnosis also matters; some conditions might need to be at a certain stage or severity for the policy to pay out.

You have options when choosing your policy type. Some people opt for integrated cover, which combines critical illness with life insurance. Others prefer a standalone policy that only covers critical illness. If you choose integrated cover, the cost will be part of your overall life insurance premium, but you'll be able to see the breakdown and know how much you're paying specifically for the critical illness portion.

A unique feature of some policies is the inclusion of child coverage. This means if your child is diagnosed with a covered condition, the policy will pay out. Some providers also offer the option to extend the coverage to other family members, though this might come at an extra cost.

Remember, critical illness insurance is designed for a one-time payout. Once you receive the benefit, the policy typically ends. It's a safety net, providing financial support during challenging times.

NEED ADVICE ON CRITICAL ILLNESS COVER?

We operate our life insurance service in collaboration with our trusted partner. If you need advice regarding the type of coverage suitable for you, feel free to consult with them at no cost. You can reach out at 020 3835 2717.

Their opening hours are:

Monday to Friday 9 AM to 5 PM
How much Critical Illness Cover do I need?
Call us on 020 3835 2717
Get Critical Illness Cover

WHAT DOES CRITICAL ILLNESS COVER?

Critical illness insurance provides coverage for various conditions such as:
What's usually covered? What's not usually covered?
Cancer Terminal Illness
Heart Attack Pre-existing Conditions
Strokes Hereditary Illnesses
Multiple Sclerosis Temporary Illnesses
Alzheimer's Disease
Organ Failures
Permanent Disabilities

WHAT FACTORS AFFECT THE PRICE OF CRITICAL ILLNESS COVER?

How much you pay for critical illness insurance depends on factors including:
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    Cover Amount

    The cost varies based on the desired cover level

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    Age

    Younger people typically pay less, making early purchase advantageous.

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    Occupation

    High-risk jobs can increase premiums.

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    Lifestyle Choices

    Habits like smoking or excessive alcohol consumption elevate premiums.

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    Medical History

    A clean health record can lead to reduced premiums.

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    Policy Details

    Choosing between individual or joint cover, and the policy term, affects the cost.

Critical illness insurance typically covers major illnesses like cancer, heart attack, and stroke. For a comprehensive list and details about coverage, please complete our critical illness cover form and speak to an expert adviser

Critical illness insurance provides a lump sum payment upon diagnosis of a covered illness, whereas health insurance covers medical expenses. Please complete our critical illness cover form to get a quote

Eligibility can vary based on your health history. For information specific to your situation, we suggest contacting an expert adviser and or completing our critical illness cover form

Age limits may apply. To find out more about the policies available for your age group, please use our critical illness cover form to be connected with an expert adviser

The lump sum payment in critical illness insurance is based on the amount of coverage you choose when you purchase your policy. It's a predetermined amount that's paid out upon diagnosis of a covered illness, regardless of your actual medical expenses. Factors like your age, health, and the type of coverage you select can influence this amount. For a detailed explanation tailored to your needs, please speak with a expert adviser via our critical illness cover form

Absolutely, the lump sum received from critical illness insurance can be used for various financial obligations, including mortgage payments. This flexibility helps ensure that major expenses can be managed during a difficult time. The amount you receive depends on your policy's terms. For specifics about how this can work for you, consult an expert adviser through our critical illness cover form

Many critical illness insurance policies offer the option to include coverage for children. This coverage can provide a lump sum payment if your child is diagnosed with a covered illness, helping to alleviate financial strain during challenging times. The specifics, such as which illnesses are covered and the amount of coverage, can vary. To understand the options available, please speak to an expert adviser via our critical illness cover form

The time frame for receiving a payout after a critical illness diagnosis typically depends on the policy's waiting period, which can vary. This waiting period is the time between diagnosis and when the payment is made. It's designed to confirm the diagnosis and fulfill policy conditions. For information on specific waiting periods and payout processes, it's best to talk to an expert adviser, which you can do by completing our critical illness cover form

Combining critical illness cover with other types of insurance, like life or income protection insurance, is a strategy often used for comprehensive coverage. This approach can provide a more robust safety net, addressing different aspects of your financial security. To understand how you can effectively combine different types of insurance to suit your personal situation, please consult with an expert adviser through our critical illness cover form

If you never make a claim on your critical illness cover, typically, no benefit is paid out. These policies are designed to provide financial support specifically in the event of a qualifying diagnosis. Unlike some life insurance policies, they do not usually have a cash value or return if not claimed. Get a quote using our critical illness cover form
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Critical illness and mortgage cover

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HOW COVERME123 WORKS

At CoverMe123, we are dedicated to connecting you with our partnered expert adviser for your insurance needs. Our role is to bridge the gap between you and the experts, ensuring a smooth and efficient process. It's important to note that while we do not provide financial advice ourselves, we excel in guiding you to those who do. Here’s how our process works:

  1. Information Gathering: Fill out our online form with the details of the insurance you're seeking.
  2. Secure Handling of Your Data: We ensure the confidentiality of your information, using it solely to connect you with our partnered expert adviser.
  3. Connecting You with the Adviser: Your information is passed on to our partnered adviser, who will then reach out to you for a detailed discussion.
  4. No Obligation Consultation: You are free to choose the policy that best suits your needs, without any obligation.

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