Life & Critical Illness Cover Compare Quotes From £10/Month*

Critical illness cover is designed to pay out a cash lump sum if you are diagnosed with a serious illness covered by your policy. The payout could help with mortgage payments, household bills, childcare costs, treatment-related expenses, or other financial commitments while you focus on recovery.

Critical illness cover can include a range of serious medical conditions, but the exact list will depend on the insurer and policy you choose. Commonly covered conditions may include certain types of cancer, heart attack, stroke, multiple sclerosis, major organ transplant, loss of limbs and other serious illnesses listed in the policy terms.

The cost of critical illness cover depends on factors such as your age, health, smoking status, medical history, occupation, the amount of cover you choose and how long you want the policy to last. Comparing critical illness cover quotes can help you find cover that suits your needs and budget.

Critical illness cover may be worth considering if you want financial protection in case you are diagnosed with a serious illness covered by your policy. It can be especially useful if you have a mortgage, children, household bills or limited savings to rely on if you became seriously ill and could not work.

You may still be able to get critical illness cover if you have a medical condition, but your options can depend on your diagnosis, treatment, symptoms, age, lifestyle and overall health. Some insurers may offer cover with higher premiums, exclusions or adjusted terms, so it is important to answer all health questions accurately when applying.

Life insurance is designed to pay out if you pass away during the policy term, while critical illness cover is designed to pay out if you are diagnosed with a serious illness covered by your policy. Many people choose to combine life insurance with critical illness cover for wider financial protection.

Yes, many providers allow you to add critical illness cover when taking out a life insurance policy. This means the policy could pay out if you pass away or if you are diagnosed with a serious illness covered by the policy, depending on the policy terms and conditions.

Many critical illness cover policies include certain types and severities of cancer, but not every cancer diagnosis will automatically qualify for a payout. The exact definition and level of cover will depend on the insurer, so it is important to check the policy wording carefully.

Critical illness cover pays a cash lump sum directly to you if you make a successful claim. You can usually choose how to use the money, which could include helping with mortgage payments, rent, household bills, childcare, debts or other everyday costs.

You can compare critical illness cover quotes by choosing the amount of cover you need, how long you want the policy to last and whether you want standalone critical illness cover or life insurance with critical illness cover included. Comparing quotes from different providers can help you find suitable cover at a competitive price.