Critical Illness Cover

This is the cover that pays out when you're seriously ill

  • A tax-free cash lump sum when you need it most.
  • Protect against a major health crisis.
  • Find a policy that gives the cover you need.

Not all Critical Illness Cover policies are the same. Choose yours carefully and it could be the wisest buy you'll ever make, but it's vitally important to know what you're getting.

We'll find the best cover for you.

All Critical Illness policies must cover:

Certain cancer conditions  |  Coronary artery bypass  |  Heart attack  |  Kidney failure  |  Major organ transplant  |  Multiple Sclerosis  |  Stroke

Many people buy the cheapest cover they can get and then find they can't claim.

A good plan might also cover:

Prostate cancer  |  Lower grades of breast cancer  |  Angioplasty  |  Loss of sight  |  Total permanent disability  |  Hearing loss  |  Many specific types of heart attack and cancer  |  Motor Neurone disease  |  Alzheimer's disease  |  & more

Critical Illness Cover pays you a tax-free cash lump sum if you are diagnosed as having one of the illnesses specified in the policy. The cover can help with care costs, medical bills, or even travelling abroad for treatment. It can also cover your financial commitments if you have a major crisis.

Be careful: your gender, marital status, family history and whether or not you have children all affect whether or not a plan is right for you. Call us, and we'll find the best cover for the conditions that concern you most.

Choosing the right policy is essential: speak with an Adviser and we'll find the best cover for you.

Did you know ?

Because making a claim happens after receiving shattering news, it really makes a difference having someone on your side. LifeSearch offer free counselling and advice - and do all they can to negotiate your claim.

 -      Amanda Curwood       -LifeSearch Adviser

Common questions

Critical Illness Cover protects against illnesses that have a severe impact on your life. All Critical Illness Cover includes the main critical illnesses people suffer from in the UK - coronary artery bypass, major heart attack, kidney failure, major organ transplant, multiple sclerosis, stroke and a defined set of specific cancers. Most good policies cover more illnesses, and these vary between insurers.

Policies pay on valid claims where the diagnosed illness matches the definition in the policy. It provides a tax-free cash lump sum.

Terminal Illness Benefit is a benefit included in Life Insurance. It pays out the 'Death Benefit' at the point you're diagnosed with a terminal illness rather than on death.

Critical Illness Cover is a different kind of cover that protects you if you're diagnosed with one of the critical, but not necessarily fatal, illnesses during the length of your policy.

Good policies will protect your children too. If your child is diagnosed with one of the listed illnesses, a partial payment could be made. The money can be used to provide financial support at a very difficult and upsetting time.


Over 80%  of Critical Illness Cover claims are for Cancer, Heart Attack, Stroke and Multiple Sclerosis.