1 in 2 people will develop cancer in their lifetime

Critical Illness Cover When You Need It Most

Get a lump sum payout if you're diagnosed with a serious illness like cancer, heart attack, or stroke.Compare policies from 20+ UK insurers and protect your family's financial future.

Cancer
Heart Attack
Stroke
Multiple Sclerosis
Kidney Failure
+40 more
4.9/5 on Trustpilot
15,000+ Claims Paid
FCA Authorized

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Why Critical Illness Cover Matters

The reality of serious illness in the UK

1 in 2

People will develop cancer in their lifetime

100,000

Heart attacks occur in the UK annually

1 in 4

People will have a stroke in their lifetime

87%

Survival rate for critical illness claims

How Critical Illness Cover Works

Simple protection for complex times

1

Get Diagnosed

You're diagnosed with a covered critical illness that meets the policy definition

Your doctor confirms the diagnosis matches policy criteria

2

Make a Claim

Submit your claim with medical evidence - we'll guide you through the process

Simple claim form with medical documentation

3

Receive Payout

Get your lump sum payment to use however you need - no restrictions

Tax-free lump sum paid directly to you

Conditions Covered

Comprehensive protection against serious illnesses

Major Conditions

  • Cancer (excluding skin cancers)
  • Heart Attack
  • Stroke
  • Coronary Artery Bypass
  • Kidney Failure

Neurological Conditions

  • Multiple Sclerosis
  • Parkinson's Disease
  • Motor Neurone Disease
  • Alzheimer's Disease
  • Blindness

Other Serious Conditions

  • Major Organ Transplant
  • Deafness
  • Paralysis
  • Coma
  • Total Permanent Disability

Note: This is not a complete list. Modern policies typically cover 40-50+ conditions. Exact definitions and coverage vary between insurers.

Types of Critical Illness Cover

Choose the right protection for your needs

Standalone Critical Illness

Pure critical illness protection that pays out if you're diagnosed with a covered condition. No life insurance component.

Lower premiums
Focus on illness protection
Multiple claim options

Best for: Those who already have life insurance but want additional protection against serious illness.

Combined Life & Critical Illness

Combines life insurance with critical illness cover. Pays out on either diagnosis of a covered condition OR death.

Comprehensive protection
One policy, two benefits
Cost-effective coverage

Best for: Those who need both life insurance and critical illness protection in one convenient policy.

What You Can Use the Money For

Your lump sum, your choice - no restrictions

Medical Treatment

Private healthcare, specialist consultations, or treatment abroad

Lost Income

Replace earnings if you can't work during treatment and recovery

Family Support

Help your family maintain their lifestyle during difficult times

Life Changes

Home modifications, care assistance, or debt repayment

Ready to Compare Critical Illness Cover?

Get quotes from top UK insurers and protect yourself against serious illness.

What You'll Get:

Quotes from 20+ insurers
Expert guidance on coverage
No obligation comparison
100% free service