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  • We provide quotes from all the major UK insurers as well as the more specialist ones
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What type of cover are you looking for?

1. Critical Illness Cover (includes Life Insurance)

This provides a one-off tax-free lump-sum payment in the event of a serious illness like cancer, or permanent disability caused by injury, or in the event your death. More info

Critical Illness Cover protects families from financial hardship by paying out a one-off lump-sum if the policyholder suffers a serious illness like cancer or a stroke, or a permanent disability caused by injury, or if they die during the term of the policy.

The money can be used to pay off mortgages and other outstanding debts as well as providing a source of income for everyday living.

Premiums are paid monthly and the cover is set for a fixed period of time, often for the length of a mortgage or up to the age of retirement. The amount of Critical Illness Cover varies according to how much you can afford and how much cover you think you need to pay off debts and provide day to day income.

The cost of the insurance is affected by various factors including the sum to be insured, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.

UK Insurers offer an increasing list of specific illnesses which they will cover beyond the most common like cancer, heart disease and strokes, but each insurer has their own list, and therefore if there is a history of a certain illness in the family, some insurers may provide better cover than offers.

More info

 

2. Critical Illness Cover Only

This provides a one-off tax-free lump-sum payment in the event of a serious illness like cancer or permanent disability caused by injury. More info

Critical Illness Cover protects families from financial hardship by paying out a one-off lump-sum if the policyholder suffers a serious illness like cancer or a stroke, or a permanent disability caused by injury during the term of the policy. The money can be used to pay for medical treatment or rehabilitation or pay off mortgages and other outstanding debts as well as providing a source of income for everyday living.

Premiums are paid monthly and the cover is set for a fixed period of time, often for the length of a mortgage or up to the age of retirement. The amount of Critical Illness Cover varies according to how much you can afford and how much cover you think you need to pay off debts and provide day to day income.

The cost of the insurance is affected by various factors including the sum to be insured, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.

UK Insurers offer an increasing list of specific illnesses which they will cover beyond the most common like cancer, heart disease and strokes, but each insurer has their own list, and therefore if there is a history of a certain illness in the family, some insurers may provide better cover than offers.

More info

 

Can't decide?

For free advice, speak to a UK-based adviser (8am–8pm Mon-Fri & 9am–2:30pm Sat)

> Call 0800 316 6917*

* The telephone service is provided in partnership with LifeSearch Ltd

About Critical Illness Cover

What is Critical Illness Cover?

Critical illness insurance is an insurance policy that pays out a tax-free lump-sum payment if you’re diagnosed with a serious illness like cancer or heart disease during the term of the policy.

Who provides Critical Illness Cover?

Most life insurers also provide a critical illness policy, either as a separate policy or combined with life insurance. The policies vary in terms of the illnesses covered, and the cost will depend on individual circumstances like existing or past health conditions and general wellbeing.

Why buy Critical Illness Cover?

Suffering a serious medical condition can lead to long term convalescence and financial hardship, and critical illness cover is designed to bridge that gap. Whether you are the main earner in your family or the main carer, not being able to carry out your normal duties due to illness can put a huge strain on the household, and can sometimes force a house move or lead to other stresses.

The tax-free payout from a critical illness policy can be used to replace lost income, or pay for childcare or household bills, or private medical treatment, or whatever you deem appropriate to deal with the illness.

How much Critical Illness Cover do I need?

As with Life Insurance, there is no exact figure for how much Critical Illness Cover is required, and it is often a balance between what you can afford and what level of cover gives you peace of mind. Critical Illness Insurance is generally around 3-4 times more expensive than Life Insurance because the risk of a claim is 3-4 times greater, so typically people will take out less critical illness cover than life insurance.

What is included with a Critical Illness Policy?

The vast majority of Critical Illness policies include life insurance as an included cover. The specified conditions covered will vary between insurers, and the good news is that the list continues to expand as insurers compete to offer better products. However, there are quite a few core illnesses covered by all insurers, including:

  • Most Cancers
  • Heart Attacks
  • Strokes

The most comprehensive policies will cover 40-50 conditions.

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Top Tip for Critical Illness Cover

One of the best ways to protect your family with a critical illness policy is to make sure you also have a separate life insurance policy, because these policies only allow you to make one claim. So, if you claim on the Critical Illness policy for an illness, you will still have a life insurance policy in place if you die at a later date. Without an existing life policy in place, it may be either expensive or very difficult to get approved for a new life policy if you have already claimed on the critical illness policy.

The quotation service is provided by an FCA-authorised insurance specialist

About Us

BritishLife is an independent business looking to do big things - like get more British families protected financially should the worst things happen.

We offer our customers access to some of the very best quotes, guidance and advice on protection insurance through a number of carefully selected partnerships with some of the best specialist firms in the UK.

They provide competitive rates from a wide range of insurers but critically they understand the importance of value over simply price - getting the right advice can save you a lot of money.

Since 2006 we have helped over 300,000 families compare protection quotes, and we would love to do the same for you.

Best wishes
The BritishLife Team