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Critical Illness Calculator Get Your Free Quote

Critical Illness Calculator How much cover do you need?

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Aviva
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What to Consider

Work out how much cover you need based on these factors.

Lost Income

How much would you need to replace 1-2 years of salary while you recover?

Outstanding Debts

Consider your mortgage, loans, and credit cards that would still need paying.

Medical Costs

Private treatment, adaptations to your home, or specialist care can be expensive.

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How It Works

Getting insurance quotes is simple. Here's how the process works.

1

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

2

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

3

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

Conditions Typically Covered

Knowing what's covered helps you decide the right amount.

Cancer
Heart attack
Stroke
Multiple sclerosis
Kidney failure
Liver failure
Coronary artery bypass surgery
Major organ transplant
Motor neurone disease
Parkinson's disease
Blindness
Deafness
Dementia including Alzheimer's
Paralysis of limbs
Loss of limbs
Loss of speech
Heart valve surgery
Cardiomyopathy
Cardiac arrest
Benign brain tumour
Bacterial meningitis
Encephalitis
Traumatic brain injury
Third degree burns
Creutzfeldt-Jakob disease
Aplastic anaemia
Pulmonary artery surgery
Surgery to aorta
Primary pulmonary hypertension
Respiratory failure
Lung disease
Spinal stroke
Multiple system atrophy
Systemic lupus erythematosus
Removal of an eyeball
Total permanent disability

Exact conditions and definitions vary by insurer.

Frequently Asked Questions

Common questions about calculating your critical illness cover.

Consider your mortgage balance, 1-2 years of household bills and living costs, outstanding debts like loans and credit cards, potential private medical treatment costs, and childcare costs if applicable. A broker will call to help you work out the right amount.
The average critical illness payout in the UK is around £67,000-£68,000. However, the right amount for you depends on your personal circumstances.
Your mortgage is a good starting point, but consider additional costs like lost income, medical bills, and household expenses. Many people need more cover than just their mortgage balance.
Yes. Cover amounts typically range from £10,000 up to £1 million or more depending on the insurer and your circumstances.
Most policies include a guaranteed insurability option allowing you to increase cover at major life events without new medical questions.

Know How Much Cover You Need?

Get quotes based on your calculation.

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Life Insurance Calculator

Work out how much life insurance cover you might need.

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e.g., children's education, weddings, home improvements

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Average UK funeral costs are around £4,000-£6,000

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Your estimated life cover need

This is an estimate based on the figures you entered

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This calculator provides an estimate only and does not constitute financial advice. Your actual cover needs may vary based on your individual circumstances.