Critical Illness Cover


Critical illness affects many people, at any age, and can turn families’ lives upside down. If you were to become critically ill, would your loved ones struggle to keep up with household bills and the mortgage?

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 are diagnosed with one of the specified critical illnesses we cover during the length of your policy, such as heart attack, cancer or stroke*. See the full list of the illnesses covered

Critical Illness Cover can be added for an extra cost when you take out either life insurance or decreasing life insurance.

Do I need Critical Illness Cover?

If your family rely on you financially it's worth considering critical illness-cover to help protect you if you are diagnosed with one of our specified critical illnesses and had to give up work for a long period or even indefinitely.

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 claims to 3,041 customers, helping them and their families when they needed us most
  • We paid out £209 million in 2017 in critical illness cover claims
  • 91.7% of claims were paid out in 2017
  • Our claims staff are trained by the Samaritans to deal with bereaved family members
  • We focus on offering products that help meet our customer’ needs throughout life.

Important information

This is not a savings or investment product and has no cash value unless a valid claim is made.

*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. Please read the Guide to critical illness cover (PDF: 166KB) , Policy Summary (PDF: 129KB)  and Policy Booklet (PDF: 2152KB)   before you apply.

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