What is Critical insurance Cover?
It’s an insurance policy that helps protect you if you become critically ill during the policy term. It pays out a tax-free lump sum that you can use however you like – whether that’s to help cover health-related costs, monthly expenses, or lost income while you get better. Your policy could also help you take more control of your health and wellbeing right away.
Child Cover
We’ll pay if your child is diagnosed with or has surgery for a critical illness
Offers mental health support, advice on nutrition and access to other health and wellbeing benefits
Stand Alone Policy
You can buy life and critical illness cover at the same time. As they’re separate policies, both could pay out
How does critical illness cover work?
You pay monthly premiums for the policy term, from 5 to 50 years, and if you’re diagnosed with one of the 53 conditions we cover during that time, we’ll pay out. Our policy also includes a children’s benefit that covers any children you have at no extra cost.
Do you need critical illness cover?
You can’t know what’s around the corner for your health, but you can make sure you’re prepared financially. Think about expenses you’d need to cover if you were critically ill and couldn’t work. It might be monthly outgoings like rent payments and general bills, or instalments on a loan or a repayment mortgage. If you don’t have savings to fall back on, getting cover can help take financial worry away while you’re recovering or having treatment.
How much critical illness cover do you need?
It depends on things like what you want to cover, how much you’re looking to pay each month, and for how long. Because our critical illness plan isn’t combined with life insurance, we’re flexible. Over half of our customers pay just £17.50 a month or less for our critical illness cover 1.
Level cover
With level cover, you choose the cover amount and how long you want the cover to run for. The amount of cover and the amount you pay each month stays the same until your policy ends.
Level cover could be a good option if you’re looking to maintain loved ones’ living standards, and can help to cover things like:
Your Salary
Any health and living costs
Rent payments
To make mortgage payments
Children’s school fees or other childcare costs
