Critical Illness Insurance Prices Find out how much cover costs

Critical illness premiums depend on age, health, and cover amount. Get a personalised quote to see your options.

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What Affects Your Premium?

Several factors determine how much you'll pay for critical illness cover.

Your Age

The younger you are when you start, the lower your premiums. Rates increase with age.

Cover Amount

Higher payouts mean higher premiums. Choose an amount that covers your needs.

Your Health

Healthier applicants often get better rates. Smokers typically pay more.

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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.

Frequently Asked Questions

Common questions about critical illness pricing.

Premiums depend on your age, health, smoking status, cover amount, and policy term. Younger, healthier applicants pay less. A broker will call with quotes tailored to your circumstances.

Because you're more likely to be diagnosed with a critical illness during your lifetime than to pass away during the policy term. The higher risk means higher premiums.

Yes. Smokers, vapers, and e-cigarette users typically pay significantly higher premiums for critical illness cover.

Choosing decreasing cover instead of level, reducing the cover amount, or shortening the policy term can all lower premiums. A broker will call to discuss the most cost-effective options.

With guaranteed premiums (most common), your monthly cost stays the same for the entire policy term. Some insurers offer reviewable premiums which start lower but can increase.

Usually yes. Combining life insurance with critical illness cover into one policy is typically cheaper than buying them separately.