What is critical illness cover?
It's an insurance policy that helps protect you if you become critically ill during the policy term. It pays out a tax-free lump sum that you can use however you like – whether that’s to help cover health-related costs, monthly expenses, or lost income while you get better.
We’ll pay if your child is diagnosed with or has surgery for a critical illness
Lump sum payment
Financial support to help you focus on your health if you’re diagnosed with 1 of 53 conditions we cover
You can buy life and critical illness cover at the same time. As they’re separate policies, both could pay out
How does critical illness cover work?
You pay monthly premiums for the policy term, from 5 to 50 years, and if you're diagnosed with one of the 53 conditions we cover during that time, we'll pay out. Our policy also includes a children's benefit that covers any children you have at no extra cost.
Do you need critical illness cover?
You can’t know what’s around the corner for your health, but you can make sure you’re prepared financially.
Think about expenses you’d need to cover if you were critically ill and couldn’t work. It might be monthly outgoings like rent payments and general bills, or instalments on a loan or a repayment mortgage. If you don’t have savings to fall back on, getting cover can help take financial worry away while you’re recovering or having treatment.
How much critical illness cover do you need?
It depends on things like what you want to cover, how much you’re looking to pay each month, and for how long. Because our critical illness plan isn’t combined with life insurance, we’re flexible. Over half of our customers pay just £22 a month or less for our critical illness cover 1.
Our different types of cover
We offer different types of critical illness cover: level cover and decreasing cover. The type of cover you want may depend on what you want to protect, and how much you’d like to pay each month.
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 maintain loved ones’ living standards, and 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 the effects of inflation
You can choose to make your cover amount increase in line with inflation. This ensures that the lump sum won't be worth less in the future because of the rise in the cost of living. With this option, the amount of cover and the amount you pay can both go up each year.
The maximum annual increase is 15% to your premium and 10% to your cover amount 2.
This type of cover might be used to help pay off a repayment mortgage, or other debts or loans, if you're diagnosed with a critical illness during the policy term.
- It lasts for a specific amount of time, and your monthly premiums are fixed, unless you make a change to your policy
- It usually costs less than level cover, as the value of the loan or mortgage you're paying off gradually decreases over time, and so does the cover
What our critical illness insurance covers
- Lump sum payment
If you’re diagnosed with a critical illness that meets our policy definition, and survive for 10 days
- 53 conditions covered
Outlined in our policy conditions
- Flexible length of cover
From 5 to 50 years – and the cover can last until you’re 75
- Cover for your child
If your child has a critical (not terminal) illness, we’ll pay up to £25,000, or 50% of the cover amount (whichever is lower)
- Joint 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
What's not included
- If you're diagnosed with a critical illness outside the policy term
You won’t be covered after your policy ends
- If you don’t survive 10 days following diagnosis
We won’t pay out. For this, you need life insurance
- If you pass away
Your policy will end and we won’t pay out. If you have a joint policy and one person passes away, cover will continue for the other policyholder
- If you don't pay your premiums
Your cover will stop. The policy has no cash-in value at any time
- If you’re diagnosed with a critical illness not listed in our policy
You won’t be covered
- Once the policy pays out, it ends
We won’t pay out again, unless it’s a children’s or additional critical illness claim
Are you eligible for critical illness cover?
To get cover, you must be:
- A permanent UK resident (excluding the Channel Islands, Isle of Man and Gibraltar), with permission to legally remain in the UK on a permanent basis
- Aged between 18 and 64. For a joint policy, the maximum age applies to the oldest person covered
“You always think that nothing will happen to you, but you never know”
Bad news, out of the blue
Linda took out critical illness cover with us when she bought her house. Within a few years, she received some bad news, completely out of the blue.
“In August last year I was diagnosed with bowel cancer, which was a bit of a blow to say the least, because I hadn’t had any symptoms at all, was feeling perfectly fit and healthy, was running, doing my house up, doing my garden. Before travelling to the USA for a wedding, I went to the hospital to check on a pain I had on my side, which ended up being bowel cancer.”
What happened next
“The lady I spoke to was really lovely and very sympathetic. She assured me that Aviva would deal with the doctors and the hospital on my behalf, and all I had to do was focus on my health. In November, I received a call saying that my claim had been accepted, and I cried… I cried because it was such a huge relief, because you don’t know what the future’s going to hold.
“At the end of the day, you don’t know if the cancer’s going to come back or not. If you’ve got that relief in knowing your mortgage is paid for, and you’re not going to get turfed out of your house – it’s a wonderful feeling!”
What’s the most common critical illness claim?
Most of the claims we get are for cancer, and we often speak to people claiming for heart attacks, strokes, multiple sclerosis, benign brain tumours and Parkinson’s.
But everyone’s different, and we can’t predict the future. That’s why we cover as many as 53 illnesses, which are listed in the Critical Illness Plan policy summary (PDF 137 KB).
Looking for more cover?
Here are some other ways to help protect your family’s future.
Cover for your mortgage, children’s university fees, loss of salary and more if you pass away.
Cover: Up to £5,000,000
Payment: If you get a terminal illness and aren’t expected to live longer than 12 months or you pass away
Over 50s life insurance
Affordable over 50s cover that lasts a lifetime.
Cover: £257 to £32,054 (subject to age and premium)
Payment: When you pass away
Free Parent Life Cover
A year’s worth of life cover for parents of children under 4. Absolutely free.
Age: 18-66 with a child under 4
Payment: If you pass away
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