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How Critical Illness Cover Works

Financial protection when you need it most.

Tax-Free Lump Sum

Receive a one-off payment if you're diagnosed with a covered condition.

Wide Range of Conditions

Most policies cover cancer, heart attack, stroke, and many more serious conditions.

Use It Your Way

The payout is yours to use however you need - medical bills, time off work, or anything else.

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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.

Frequently Asked Questions

Common questions about getting a critical illness quote.

Fill in the short form on this page. A broker will call you to discuss your needs and provide quotes from leading UK insurers. There is no obligation and no charge for this service.
Our broker partners usually contact most customers within 1 hour during office hours. If outside office hours, this could be the next working day.
Your age, smoking status, the cover amount you'd like, and the policy term. The broker will ask about your health history during the call.
For most applications, no medical exam is required if you are in good health. You will be asked health and lifestyle questions, and the insurer decides based on your answers. Subject to age, health and lifestyle.
No. Getting quotes is completely free with no obligation to proceed.
Yes. Speak to a broker who can search leading insurers to find which ones may offer cover for your circumstances.

What's Typically Covered

Critical illness policies cover around 36 serious conditions.

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

A broker will confirm the exact conditions covered by each insurer's policy.

Ready to Protect Against Serious Illness?

Compare critical illness quotes from leading UK insurers.

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