Personal protection
Critical Illness Cover pays a tax-free lump sum if you're diagnosed with a specified serious illness covered by the policy, such as cancer, heart attack, or stroke, giving you breathing space to focus on recovery rather than finances.
Key benefits
What's typically included
Important to know
Every policy is different, so exact exclusions depend on the insurer and your individual circumstances. Common exclusions to be aware of include:
Common questions
Quick answers to the things people ask us most. Can't find what you're looking for? Get in touch and we'll be happy to help.
Our Blackburn-based advisers are happy to talk it through, with no obligation.
Policies list specific defined conditions, commonly including cancer, heart attack, and stroke, along with a wider range of other serious illnesses. The exact list and definitions vary by insurer, so it is worth comparing policy wording carefully.
Yes, many people combine the two so that a claim can be made either on death or on diagnosis of a critical illness, providing broader protection under one plan.
Most standard policies pay out once and then end. Some insurers offer options for additional or partial payments for certain conditions; an adviser can explain what's available.
The cost depends on your age, health, cover amount, and the conditions included. Getting a personalised quote is the best way to understand what it would cost for your circumstances.
Tell us what matters to you and one of our advisers will help you explore your options.