Critical Illness Cover
Financial protection when serious illness strikes – because recovery shouldn’t mean financial ruin
1 in 2 people will be diagnosed with cancer in their lifetime
The Reality of Critical Illness
50%
Cancer diagnosis rate
1 in 6
Men have heart attack
100,000
Strokes annually in UK
£29,000
Average income loss
The Hidden Costs of Critical Illness
Financial Impact
- Lost income during treatment
- Reduced earning capacity
- Treatment costs not covered by NHS
- Home adaptations needed
- Increased care costs
Family Impact
- Partner may need to stop working
- Children's education affected
- Family lifestyle changes
- Stress on relationships
- Long-term financial planning disrupted
Conditions Covered
Cancer
- All cancers requiring surgery/chemotherapy
- Leukaemia
- Lymphoma
- Brain tumours
Heart Conditions
- Heart attack
- Coronary artery bypass
- Heart valve replacement
- Cardiomyopathy
Neurological
- Stroke
- Multiple sclerosis
- Parkinson's disease
- Motor neurone disease
Other Major Conditions
- Kidney failure
- Major organ transplant
- Blindness
- Deafness
Surgical Procedures
- Loss of limbs
- Paralysis
- Coma
- Severe burns
Additional Cover
- Alzheimer's disease
- Benign brain tumour
- Liver disease
- Lung disease
How Critical Illness Cover Works
01
Diagnosis
You're diagnosed with a covered critical illness
Must meet the policy definition and survive the qualifying period (usually 14-30 days)
02
Claim Notification
Contact your insurer to start the claims process
Provide medical evidence and complete claim forms with support from your advisor
03
Assessment
Insurer reviews your claim and medical evidence
May require additional medical reports or independent medical examination
04
Payout
Receive your lump sum payment
Tax-free cash to use however you need – no restrictions on how you spend it
Cover Options
Standard Cover
Core conditions
£50,000 - £500,000
Cover amount range
- 30+ core conditions covered
- Level or decreasing cover
- Term to age 65 or 70
- Competitive premiums
Comprehensive Cover
Enhanced protection
Up to £1,000,000
Cover amount range
- 50+ conditions covered
- Partial payment benefits
- Children's cover included
- Premium back option
Family Cover
Joint protection
Couples & Children
Family protection
- Joint life cover options
- Automatic children's cover
- Shared or separate benefits
- Family discount available
Don't Wait for a Health Scare
Critical illness cover is only available while you’re healthy. Protect your financial future today.
Free quote • No obligation • Expert guidance from qualified advisors