Critical illness cover

Worry less about your finances and focus on your health

  • A lump sum payment if you're diagnosed with one of 52 conditions. There's no cash-in value at any time.
  • 10% off for existing customersFootnote 1
  • We paid out £389 million in critical illness claims in 2024Footnote 2

What is critical illness cover?

Critical illness cover is designed to pay out a lump sum if you are diagnosed with a critical illness covered by the policy during the policy term. It does not pay out if you die during a specified period. There is no cash in value at any time.

How our critical illness cover works

  • Lump sum payment

    We'll pay a lump sum if you're diagnosed with one of the 52 conditions listed in our policy but you must survive for 10 days following the diagnosis.

    Dependent on the definition of the critical illness, we may pay on diagnosis only, when the condition has progressed to a specified severity or when named treatments or surgeries are performed. There is no cash-in value at any time.

  • Pay a monthly premium for the policy term

    The premium you pay will depend on a number of things including your personal circumstances, medical history and the policy term you choose.  As at January 2025, over half of our customers paid just £25 or less for our Critical Illness Plan.

  • Pair up your policies

    You can buy life and critical illness cover at the same time.  The policies are separate, so they could both pay out.

  • Cover for your kids

    We'll pay up to £25,000, or 50% of the cover amount (whichever is lower), for children diagnosed with critical illnesses (not terminal illness).

Are you eligible for critical illness cover?

To get cover, you'll need to:

  • Be a resident of the UK, with a legal right to live here, and no current intention of packing your bags to move elsewhere for good. By the way, the Channel Islands, the Isle of Man and Gibraltar aren’t considered part of the UK.
  • Be aged between 18 and 64. For a joint policy, the maximum age applies to the oldest person covered.

What our critical illness insurance covers

If you already have critical illness cover with us, check what conditions you’re covered for in your policy documents, as it may be different from what’s detailed below.

These are included:

  • Lump sum payment
    Lump sum payout if you survive more than ten days after being diagnosed with any of the critical illnesses listed in our policy definition. See the list of 52 conditions (PDF 124 KB)
  • Flexible length of cover
    Your policy could last anywhere between five and fifty years – up to the age of 75
  • Cover for your kids
    We’ll pay up to £25,000, or 50% of the cover amount (whichever is lower), for children diagnosed with critical illnesses (not terminal). It's valid from when they're 30 days to their 18th birthday (or 21st if they're in full time education). The conditions are listed in the policy conditions (PDF 124 KB)
  • Changing from a joint policy to a single policy
    If you separate from your partner, you can split your policy into two single policies, and won’t have to answer any new health and lifestyle questions
  • Cover up to £1 million
    To help you when you need it most
  • Additional critical illness benefit
    You can claim for some additional critical illnesses – and the policy won’t end if we pay a successful claim

Important to know:

  1. If you’re diagnosed with a critical illness outside the policy term
    You’re only covered during the policy term.
  2. If you die
    Your policy will end and we won’t pay out. This is also the case if you die within 10 days of diagnosis. If you have a joint policy and one person dies, the policy will still cover the other person.
  3. Not paying your premium
    If you stop paying premiums or cancel your policy, your cover will end and you won’t get anything back. This is no cash-in value at any time.
  4. If you’re diagnosed with a critical illness not listed in our policy
    You’re only covered for the conditions listed.
  5. This policy ends if it pays out
    The policy only pays out once, unless it’s a children’s claim or an additional critical illness claim.

Why choose our critical illness cover?

  • Complimentary wellbeing services through Aviva Digicare+
    Your cover gives you access to our range of health and wellbeing services, including Aviva DigiCare+, provided by Square Health. This offers you an annual health check, mental health support, personal nutritionists and more at no extra cost.

    The Aviva DigiCare+ app and services are non-contractual. We can change or withdraw them at any time. You can find the terms and conditions and the privacy policy in the app. Residency restrictions apply.
  • We’ve got experience on our side
    We’ve been around for 325 years, so you can trust that we know what we're doing when it comes to protection.

How to choose the type of critical illness cover that’s right for you

It's all down to what you want to protect and how much you're willing to set aside each month. Pick between level cover (a set amount which you can also protect from inflation) or decreasing cover (the amount you’ll get drops over time).

Cover and premiums remain the same throughout the duration of the policy term

Level cover

With level cover, you choose the cover amount and how long you want the cover to run for. The amount of cover and the amount you pay each month stays the same until your policy ends.

Level cover could be a good option if you're looking to help maintain a loved ones' living standards, and the lump sum can help to cover things like:

  • Your salary
  • Any additional health and living costs
  • Rent payments
  • Continue to make mortgage payments
  • Children’s school fees or other childcare costs

Protecting your cover from inflation

You can choose to make your cover amount increase in line with inflation. This means that your monthly payments may rise, and ensures the lump sum won’t be worth less in the future because of the rise in the cost of living.

If you choose this option, the maximum annual increase would be 15% to your premium and 10% to your cover amount. Footnote [3]  The cover amount increases in line with the Consumer Prices Index (CPI), calculated over 12 months. To calculate the increase to your premium, we multiply what you pay by 1.5 and the percentage increase in CPI. If there’s no increase in the CPI there’s no change to your cover or premium over a 12 month period. 

Cover that decreases over time, through the duration of the policy term, while payments remain the same

Decreasing cover

This could be a great option to help pay off a mortgage, debt or other loans if you're diagnosed with one of the defined illnesses while the policy’s active. 

  • Just like level cover, it has an expiry date, and your monthly payments are set in stone unless you change your policy
  • In general, decreasing cover is lighter on your wallet than level cover as it's only there to pay off loans and debts you’re chipping away at. The payout amount won't need to be as high if you claim as you'll owe less money over time.

Critical illness cover FAQs

Am I eligible for a critical illness policy?

Which critical illnesses are covered under this policy?

Will my children be included in my critical illness policy?

How much does critical illness cover cost?

How do I make a critical illness claim?

How do I get a critical illness cover quote?

Getting a quote could be done by the time you’ve boiled the kettle. Combining life insurance and critical illness cover can be done on our life insurance page.

All we need to know is:

  • Your date of birth
  • Whether you smoke
  • How much cover you need
  • How long you want to be covered for

Or call us free

0800 068 5549

Monday to Friday 8:00am - 6:00pm

Weekends and bank holidays: Closed

Calls may be monitored or recorded. Calls to 0800 numbers from UK landlines and mobiles are free.Our opening hours may be different depending on which team you need to speak to.

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Transcript  for video Our critical illness cover

A lot of us think we'll never be diagnosed with a critical illness but in reality it could happen to anyone.

How would you and your family cope financially if you became ill? Whether it's paying for treatment or helping to cover your salary while you get better, our Critical Illness Plan could make a big difference if you're diagnosed with a life changing illness.

We cover over 50 conditions including nearly all types of cancer, as well as heart attacks and strokes.

We offer different types of cover - level cover and decreasing cover.

With level cover, what you pay each month stays the same for the whole term of the policy, and so does the cover amount. And if you'd prefer your cover amount to rise with the cost of living, you can choose to protect it against the effects of inflation, which means that what you pay will also increase over time.

Decreasing cover works like a repayment loan, with a fixed interest rate. So, the value of your cover decreases gradually, but the amount you pay stays the same.

Our Critical Illness Plan also includes children's cover, so the whole family can stay protected.

Your cover can last between 5 and 50 years, or up until your 75th birthday.

When it comes to how much cover you'll need, everyone's different.

How much would you need to cover your monthly outgoings? Think about everyday costs like household bills and childcare. Or, how would you pay for any unexpected treatment costs. So that you and your family were able to live life as normally as possible.

Even a small amount of critical illness cover could allow you to take the time you need to recover or take a well deserved holiday.

At Aviva, our cover is designed with you in mind, with flexible cover length, children's cover and lump-sum pay-outs.

We're here when you need us most.

Looking for different cover?

We have other types of protection cover to help during difficult times.

Over 50 Life insurance

Guaranteed life insurance cover for the rest of your life that pays a lump sum when you die (unless you die within the first 12 months. We'll pay a cash amount equal to the premiums that have already been paid, but not the cover amount) You won't be asked any health questions when applying.

Age: 50-80 

Premium: £5-£100  

Payment: When you pass away. There’s no cash in value at any time. 

Income protection insurance

Affordable cover that pays a proportion of your lost earnings, which could help you cover your monthly outgoings if you can't work.

Age: 18-59

Cover: Monthly benefit between £500 and £1,500

Payment: If you're ill or injured and can't work.  There's no cash in value at any time.

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