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Consider cover designed to provide a financial cushion if you're diagnosed with a specified serious illness.
What is critical illness cover?
Critical illness cover is designed to pay out a lump sum if you are diagnosed with a specified serious condition during the policy term, subject to policy definitions. The conditions covered and the terms involved will vary between insurers.
My role is to set out the key features so you can understand how critical illness cover works alongside or separately from life insurance. This supports you in making a decision that reflects your circumstances and future plans.
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Frequently asked questions
It pays a lump sum if you’re diagnosed with a serious condition listed in the policy, such as cancer, heart attack, or stroke.
No — critical illness cover pays if you survive a serious diagnosis, not if you pass away.
No. Conditions vary between providers. I’ll help you compare what matters most.
Yes, many people combine the two for broader protection.
You can use it for anything — treatment, bills, adapting your home, or easing financial pressure.