Reassurance along the road to recovery

Critical illness cover could provide financial stability when it matters the most.

Reassurance along the road to recovery

Support for you and your family through treatment and recovery

Protect your income and cover medical expenses if you are diagnosed with a serious illness.

Why critical illness?

Why critical illness?

None of us go through life thinking we’re going to get a serious illness. It’s no way to live, quite frankly. But sometimes it’s necessary to take a moment to consider the possibility.

A critical illness policy can help:

  • Pay for necessary adaptations to your home
  • Cover the bills if you are no longer able to work
  • Support recovery time with private healthcare

Popular critical illness cover options

Private health


If you’re diagnosed with an illness that your policy covers you’ll receive a one-off lump sum.



You can take out a joint critical illness policy to cover yourself and your partner.

Cash plans


It’s common for critical illness cover to be packaged up as part of a life insurance policy.

Common critical illness questions, answered

Simply put, a life insurance policy will only pay-out when you die, or in some cases if you receive a terminal diagnosis. A critical illness policy pays-out if you are diagnosed with a covered condition.

The exact list of conditions will vary between providers, however most policies will cover: Heart attacks, strokes, certain cancers, neurological diseases, respiratory diseases, eyesight and hearing damage as well as permanent disability.

This is not a comprehensive list and it’s important to check the list of conditions with your chosen provider before taking out a policy.

Yes, in most cases you can add cover for children to an existing policy. There’s generally no additional cost to do this, however the pay-out will tend to be much lower.

The illnesses covered and the required severity to claim are different between insurers, however generally a critical illness policy will only pay-out once.

QuoteSearch is changing protection for good.

QuoteSearch is changing protection for good.

Track your quotes and get real-time updates from providers as your circumstances change or new offers become available to you.

Unsuitable cover can leave you underinsured and with a policy that won’t pay out. Life can be complex enough at times, without the worry of your insurance not being there for you when you need it.

Get the protection you deserve


Life Insurance

Most people consider taking out a life insurance policy when they either take out a mortgage on a property or have children.

  • Joint or single policies are available
  • Leave a lump sum for loved ones
  • Cover mortgage or other debts
  • Only pays out once, on death

Income Protection

Income protection is designed to help you continue to meet your financial commitments if you are unable to work a period of time.

  • Payouts are typically 50%-70% of earnings
  • Doesn’t cover being fired or purposely injured
  • You can get cover being self-employed
  • You can make multiple claims

Private Medical Insurance

With NHS waiting times high – knowing you’ll get quick treatment for an acute condition can provide much-needed peace of mind.

  • No upper age limit for cover
  • No medical examinations required
  • Choose between private or NHS treatment
  • Get the right treatment when you need it

Critical Illness Cover

Critical illness cover provides a tax-free lump-sum payment if you are diagnosed with a covered condition.

  • Cover for heart attacks, strokes and more
  • Pre-existing conditions are not covered
  • Add children for added peace of mind
  • You can only make one claim per policy

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