Critical illness affects many people, at any age, and can turn families’ lives upside down. If you were to become seriously ill would your loved ones struggle to keep up with household bills and the mortgage? Make sure that you and your family are financially protected against the impact a critical illness could have.

You can choose to add critical illness cover at an extra cost when you take out life insurance. The money you could receive can help make life easier - and help you focus on getting better.

What is Critical Illness Cover?

Critical illness cover could pay out a cash sum if you're diagnosed with or undergo a medical procedure for one of the specified critical illnesses we cover during the length of your policy and you survive for 14 days from diagnosis. The critical illnesses covered include heart attack, cancer and stroke. However, some types of cancer are not included and to make a claim for some illnesses, you need to have permanent symptoms. See the full list of illnesses covered.

Critical Illness Cover can be added for an extra cost when you take out either Life Insurance or Decreasing Life Insurance.

Extra benefits are included at no additional cost, such as Children's Critical Illness Cover. Terms and conditions apply. Find out more

We list all of the critical illnesses we cover, including the cover exclusions in our Policy Summary PDF, Policy Booklet PDF and Guide to Critical Illness Cover PDF. It's important that you read the information as we want to be sure you're aware of what you are and aren't covered for.

Do I need Critical Illness Cover?

If your family rely on you financially it's worth considering critical illness insurance to help protect against the impact a critical illness could have on you and your family. The  cash sum could be used to help cover things such as child care costs and household bills for example.

Or you may want to use the pay out to help make adjustments to your home or lifestyle if needed, or to pay for specialist medical treatment - or even to take that trip of a lifetime to help you recover. 

Why choose us?

  • In 2017 alone we paid out 91.7% of all critical illness cover claims
  • we paid out £209 million, with the average pay out being £64,925.
  • We helped 3,041 people and their families when they needed us most
  • Our claims staff are trained by the Samaritans to deal with bereaved family members

Watch our customer videos and hear the real life experiences of our customers and how critical illness cover made a difference to their lives.