Personal protection
Critical illness cover
Critical illness cover usually pays a lump sum if you’re diagnosed with a covered condition and meet the policy’s definition. You don’t necessarily need to be unable to work to claim.
How we help
- Compare the cover. We assess differences in covered conditions, definitions and payment levels, rather than choosing on price alone.
- Consider your medical history. Insurers can assess an existing diagnosis differently. We investigate which insurers may offer suitable terms.
- Understand the differences. We explain exclusions, limitations and what you are getting for your premium.
- Arrange your insurance. We manage the application and liaise with the insurer throughout.
- Keep cover relevant. We review your protection with you as your needs change.
Advice that looks beyond the price.
A policy’s value depends on its definitions and the terms offered to you. A longer list of conditions does not on its own tell you which cover is most suitable.
Your questions, answered
Do I have to be unable to work to claim?
No. A critical illness claim depends on meeting the definition of a condition covered by the policy, which can include severity requirements and other conditions. It is different from income protection.
Can I get cover if I already have a diagnosis?
An existing diagnosis does not automatically rule out cover. Insurers may offer different terms, charge more, exclude a condition or decline an application. Being accepted for a policy does not mean your existing condition is covered. We assess and explain the terms available.
How could I use the payment?
It can help with your mortgage, everyday costs or adjustments to life following a diagnosis. We recommend an amount based on your circumstances and budget.
Benefits depend on the policy’s terms, conditions and exclusions. Cover is subject to eligibility and underwriting. We explain the recommended policy before you decide.
What would you like to protect?
Tell us about your family, income and existing cover. We recommend suitable protection and arrange your insurance.