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What is critical illness cover?

Critical illness cover provides a lump sum if you develop a life-changing (but not terminal) illness covered by your policy. The pay out can be used to pay for anything that you deem is necessary, such as:

  • Medical treatment
  • Home adaptations
  • Enjoying time with family, say a holiday
  • Replacing lost income

Many insurers also offer children’s critical illness cover at no extra charge, though the pay-out is usually reduced.


How does critical illness cover work?

We are more likely to suffer from a critical illness during our working lives than to die. Without critical illness cover, the lost income due to a severe illness could result in significant financial strain on your loved ones.

How much does critial illness cover cost?

Critical illness cover pays out when you fall ill with a listed condition in the insurers policy. For example, if you take out a 25-year policy with a sum insured of £100,000 only to develop a listed cancer in the insurer’s policy soon after, you would be able to claim the money. In effect, critical illness cover offers a financial lifeline in times of family crisis.

Get in touch today and we will search the UK’s leading insurers to protect your loved ones and find the right policy for you at the right price.

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That’s Life is a registered Trading Name of Candid Insurance Services Ltd. Candid Insurance Services Ltd is registered in England and Wales, company number 07279489. Registered Office: 920 Hempton Court, Aztec West, West Almondsbury, Bristol, BS32 4SR, United Kingdom. Candid Insurance Services Ltd is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register under number 603273. Licensed by the Information Commissioners Office Registration Number Z3488836. VAT: 160484711.