Frequently Asked Questions

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You asked: How much critical illness cover should I have?

Everyone's needs are different and it's up to you to decide what level of cover best suits your needs. Some of the things that could affect your decision are:

  • Money needed to cover any ongoing or outstanding loans, ie your mortgage repayments.
  • Money needed to cover any potential medical bills or rehabilitative expenses.
  • Money needed to cover general family expenditure, if you were unable to help provide support.

If you need help calculating your current family expenditure, take a look at our cost of living calculator.

Please remember, our Critical Illness Plan is considered separately to our Life Insurance Plan and you do not have to choose the same level of cover for each. If you're unsure how much cover you might need, you could speak to a financial adviser - if you don't have an adviser, you'll find a list of local advisers at

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