Critical Illness Cover, so a Diagnosis Doesn't Become a Financial Crisis
A serious diagnosis is hard enough without also worrying about mortgage payments. Critical illness cover pays a tax-free lump sum if you’re diagnosed with one of a specified list of serious conditions, so you can focus on treatment and recovery rather than finances.
The detail matters more with this product than almost any other, exactly which conditions are covered and how they’re defined varies between insurers, so we’ll make sure you understand what you’re actually buying.
What's Typically Covered
Policies commonly cover conditions including heart attack, stroke, and various cancers, among others, but the exact list and the definitions used for each condition vary by insurer. Two policies that look similar on price can differ significantly in what actually triggers a payout, which is exactly why we compare definitions, not just premiums.
Critical Illness Cover vs Life Insurance
These are often bought together, but they do different jobs. Life insurance pays out on death. Critical illness cover pays out on diagnosis, while you’re still here to use the money. Combining both, sometimes as a single combined policy, gives you protection for either situation.
Why Families Choose Us for Critcial Illness Cover
We compare what's actually covered, not just the price
A cheaper policy with narrower definitions can end up worse value than a slightly more expensive one that would actually pay out for your situation. We look at both.
We explain exclusions before you need to know them
Every policy has exclusions and qualifying periods. We’d rather you understood them upfront than discovered them at claim time.
We stay involved if you ever need to claim
If the time comes to make a claim, you’re not on your own trying to navigate the insurer’s process, we’re still here to help.
Critical Illness FAQs
What illnesses are typically covered?
Common conditions include heart attack, stroke, and various forms of cancer, though the exact list and how each condition is defined varies by insurer. We’ll show you the specifics rather than a generic summary.
Can I have life insurance and critical illness cover together?
Yes, and many people do, either as two separate policies or one combined policy that pays out on either event. We’ll talk through which structure suits your situation.
Are pre-existing conditions covered?
Usually not for that specific condition, though this varies by insurer and situation. It’s worth discussing your health history with us before assuming you can’t get any cover at all.
How much lump sum cover do I need?
It depends on your mortgage balance and how much financial breathing room you’d want during recovery, time off work, treatment costs, adapting your home. We’ll talk through a figure that fits your circumstances rather than a generic rule of thumb.
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A clear, honest look at what’s actually covered, and what would suit your situation.
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