A safety net if serious illness strikes
Treatment and recovery can bring unexpected costs, from adapting your home to covering lost earnings. A lump sum can relieve financial stress so you can focus on your health.
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Critical illness cover pays a tax-free lump sum if you are diagnosed with a specified serious condition. This can help cover medical-related costs, mortgage repayments, home adaptations, or time away from work. It reduces financial stress at a time when health should be the priority.
Critical illness cover is well suited to people with financial commitments who want added security if they were diagnosed with a serious illness. It is often taken out by homeowners, parents, and business owners who want flexibility during recovery.
We explain exactly what conditions are covered, how definitions differ between insurers, and what level of cover is appropriate for your situation. Our advisers research an extensive panel of providers to recommend a policy that offers clarity, strength of cover, and value for money.
Our aim: clarity and confidence, without jargon.
Contact an adviser todayHM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
While the NHS provides treatment, critical illness cover helps with the financial impact. Things like mortgage payments, childcare or time off work.
It varies by provider, but commonly includes cancer, heart attack, and stroke. Policies list all the conditions they cover.
No. Life insurance pays out on death, while critical illness pays out on diagnosis of a covered condition.
Most policies pay out once, but some offer partial payments for less severe conditions.
They complement each other. Critical illness provides a lump sum, while income protection pays a regular income if you can’t work.
It depends on your financial commitments. Many people choose enough to cover their mortgage, debts, and living expenses for a period.
It may be possible, but premiums can be higher or conditions excluded. We’ll search a wide range of providers for the most suitable option.
Our team of advisers is on hand to help with your protection & insurance needs
