Critical Illness Cover for Your Mortgage Keep your home safe if you're diagnosed with a serious illness

If you're diagnosed with a critical illness, your mortgage payments don't stop. Critical illness cover pays a tax-free lump sum to clear or reduce your mortgage, so your family keeps the home.

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How Mortgage Critical Illness Works

Cover designed to match your mortgage and protect your home.

Decreasing Cover

Cover amount reduces over time in line with your repayment mortgage. Premiums are lower because the payout decreases as your mortgage balance falls.

Level Cover

Cover stays the same throughout the term. Ideal for interest-only mortgages or if you want extra protection above your outstanding balance.

Joint Cover

Cover both mortgage holders on one policy. Pays out if either of you is diagnosed with a covered critical illness.

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How It Works

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

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.

Receive a Callback

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

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.

Decreasing vs Level Cover for Mortgages

Feature	Decreasing Cover	Level Cover
Payout over time	Reduces in line with mortgage	Stays the same
Suited for	Repayment mortgages	Interest-only mortgages
Monthly premium	Lower	Higher
Cover at end of term	Minimal	Full amount
Extra protection	Matches debt only	Can cover living costs too

A broker will call to discuss which type matches your mortgage.

Conditions Covered by Mortgage CI

If diagnosed with any of these during your mortgage term, the policy pays out.

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 vary by insurer. A broker will confirm coverage details.

Frequently Asked Questions

It’s not legally required, but if you were diagnosed with a serious illness and couldn’t work, your mortgage payments would still need to be made. CI cover pays a lump sum to clear or reduce your mortgage.

Decreasing cover matches a repayment mortgage — the payout reduces over time as your mortgage balance falls. Level cover keeps the same payout throughout, ideal for interest-only mortgages or if you want extra financial protection.

In many cases, yes. Some insurers allow you to add critical illness cover to an existing policy. Alternatively, you can take out a separate standalone CI policy. A broker will call to discuss your options.

At minimum, enough to cover your outstanding mortgage balance. Consider adding extra to cover living costs while you recover. A broker will call to help work out the right amount.

The insurer pays the lump sum directly to you. You can use it to pay off your mortgage in full or make payments while you recover. The money is yours to use as you need.

No. Critical illness payouts are completely tax-free.