Joint Critical Illness Cover Cover both partners on one policy

Joint critical illness cover protects both you and your partner under a single policy. If either of you is diagnosed with a covered condition, the policy pays out a tax-free lump sum. A broker will call to discuss your options.

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Me and my partner

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How Joint Cover Works

One policy covering both partners against serious illness.

First Event Cover

Most joint policies pay out on the first diagnosis between you. If one partner is diagnosed with a covered illness, the full lump sum is paid and the policy ends.

One Premium, Two People

A joint policy is typically cheaper than two separate policies. Both partners are covered for the same conditions under a single monthly premium.

Combine With Life Insurance

Joint critical illness can be added to a joint life insurance policy for complete protection. Ideal for couples with a shared mortgage or dependants.

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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.

Joint Policy vs Two Single Policies

Feature	Joint Policy	Two Single Policies
Monthly cost	One premium (lower)	Two premiums (higher)
Number of payouts	One (first event)	Two (one each)
After a claim	Policy ends for both	Other partner still covered
Flexibility	Less flexible	More flexible
Suited for	Couples with shared mortgage	Couples wanting separate protection

Joint policies pay out on a first-event basis — one payout if either partner is diagnosed or passes away.

Conditions Covered

Both partners are covered for the same conditions under a joint policy.

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 for joint policies.

Frequently Asked Questions

Both partners are covered under one policy. If either of you is diagnosed with a covered condition, the full lump sum is paid out and the policy ends for both partners. This is called first-event cover.

Yes, a joint policy typically costs less per month than two separate policies. However, it only provides one payout between you, whereas two singles would provide two separate payouts.

Under a joint first-event policy, the cover ends for both partners once a claim is paid. Your partner would need to take out a new policy, which may be more expensive depending on their age and health at that point.

Joint is more affordable and simpler to manage. Two singles cost more but provide more protection — each partner gets their own payout. A broker will call to discuss which option suits your circumstances.

On a joint policy, both partners share the same cover amount. If you need different levels of cover, two single policies would be more suitable.

No. Critical illness payouts are tax-free regardless of whether the policy is joint or single.