Standalone Critical Illness Cover Critical illness cover without life insurance

Get critical illness protection on its own, without bundling it with life insurance. Ideal if you already have life cover.

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No Obligation

Expert Brokers

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Quick & Easy

No Obligation

Expert Brokers

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Why Choose Standalone?

Critical illness cover separate from your life insurance.

Already Have Life Cover?

If you have life insurance through work or another policy, standalone CI fills the gap.

Separate Payouts

With standalone, a CI claim doesn't affect your life insurance. Your family gets both if needed.

Flexibility

Choose the exact amount of CI cover you need without changing your existing life policy.

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UK Insurers

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Quick Form

£0

Quote Cost

Obligation

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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.

Standalone vs Combined Cover

Understanding the difference helps you choose the right option.

Feature	Standalone CI	Combined Life & CI
Covers critical illness	Yes	Yes
Covers death	No	Yes
Covers terminal illness	No	Yes (via life element)
Number of payouts	One (CI only)	One (CI or death)
Suited for	Adding CI to existing life policy	New protection buyers

With combined cover, if a critical illness claim is made, the life insurance element also ends.

Conditions Typically Covered

Standalone policies cover the same conditions as combined cover.

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. A broker will confirm which conditions are covered.

Frequently Asked Questions

Common questions about standalone critical illness cover.

Yes. Standalone critical illness cover protects you against serious illness without bundling it with life insurance. It's ideal if you already have life cover through work or another policy.

The critical illness element often costs a similar amount whether standalone or combined. Combined cover may offer better overall value as it includes life insurance too.

If you already have life insurance, standalone CI fills the gap without duplicating your existing cover. A CI claim on a standalone policy doesn't affect your separate life insurance.

The insurer pays your full lump sum and the policy ends. Your separate life insurance policy remains unaffected.

No. Critical illness payouts are tax-free.

Claims typically take around 8 weeks to process. A survival period of 10-14 days after diagnosis usually applies before a claim can be made.