What is Critical Illness Cover?
Critical Illness Cover can be an invaluable way of protecting you and your family against the financial implications you would face if you were diagnosed with a critical illness. It can be added for an extra cost when taking out Life Insurance or Decreasing Life Insurance.
How does Critical Illness Cover work?
You and loved ones could receive a cash sum if you’re diagnosed with, or undergo a medical procedure for one of the specified critical illnesses that we cover during the length of your policy, and you survive for 14 days from diagnosis. It could help with child care costs, household bills or to help maintain your standard of living if you're forced to take time off work to recover.
Here's some great reasons to take out cover with us:
This page was last reviewed by our team of financial protection experts on 6 November 2023.
Critical Illness Cover details
We also provide additional cover for the following:
- Carcinoma in situ of the breast – treated by surgery.
- Low grade prostate cancer – requiring treatment.
Claims paid under additional cover will not reduce your amount of cover or change your premiums. We'll pay out once for each 'Additional Cover'. Terms and conditions apply.
Things you need to know
Please read the key documents before you apply:
Critical Illness Cover explained in 60 seconds
Who needs Critical Illness Cover?
A critical illness can affect anyone at any age and can turn lives upside down. In the event of being unable to work due to critical illness, having a back-up plan in place can alleviate some of the financial stress of the situation. Some people may use their savings to supplement their loss of income, others may rely on an employment benefit package, while others may find that some form of critical illness insurance is their best option.
Can I get Critical Illness Cover without life insurance?
You can’t take out Critical Illness Cover only – it needs to be taken outwith a Life Insurance or Decreasing Life Insurance policy. However, you can choose the amount of Critical Illness Cover you need to suit your needs, it doesn't need to match the amount of life insurance or decreasing life insurance you take out, it can be less but it cannot be more.
Am I eligible for Critical Illness Cover?
To be eligible for Critical Illness Cover, you’ll need to be:
- A UK resident
- Aged 67 or younger (min 18)
- Aged under 75 when the policy ends
The minimum term length is two years, and the maximum length of a policy is 50 years.
What is Wellbeing Support?
We know that the pressures of everyday life can sometimes be stressful, and can impact your wellbeing in lots of ways. That's why we've introduced Wellbeing Support Service. So whether you need a reassuring chat, some information, or help getting through a challenging time – to name just a few, they are here to help.
Take a look at our dedicated Wellbeing Support hub and find out more.
If you think that you or someone you know might need care, it can be difficult to know where to start looking or what your options are. Care Concierge is a confidential telephone advisory service that can help you understand and find later life care. Our Care Concierge team have extensive knowledge of the care industry and are completely impartial, allowing you to make an informed decision on the care option that is right for you.
Take a look at our dedicated Care Concierge page to find out more
Why choose Legal & General
The UK's No.1 Life Insurance Provider
*Based on new individual Life Insurance sales in 2022, Term & Health Watch report 2023, Swiss Re.
Award winning cover
**We've been crowned 'Life Insurance Provider of the Year (Direct)' for the 4th time at the 2023 awards.
5 Star Defaqto rated cover, the highest rating possible!
Related information and products
Our Critical Illness Cover automatically includes a number of additional benefits, such as Children's Critical Illness Cover.
If you're looking for life cover that doesn't decrease over time to help protect your family or mortgage, take a look at our Life Insurance where the amount of cover stays the same throughout the length of the policy.
Decreasing Life Insurance
If you're looking for life cover to specifically cover a repayment mortgage, take a look at our Decreasing Life Insurance where the amount of cover reduces roughly in line with the way a repayment mortgage reduces.
How do life insurance pay-outs work?
Find out more about how life insurance pay-outs work with our in-depth guide.
Life insurance calculator
Use our life insurance calculator to help you work out how much cover you might need.
Finding Lost Life Insurance
If you have sadly lost a loved one and cannot locate their life insurance policy, our helpful guide covers what to do.