Learn about critical illness cover

Critical Illness

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.

Our Critical illness Plan pays a lump sum if you’re diagnosed with or need surgery for a critical illness that meets our definition and if you survive for 10 days.

This type of policy isn’t a savings or investment plan – it only pays out on a successful claim and doesn’t pay out on death.

If premiums stop the cover will end.

If you’re a UK resident and aged between 18 and 64, our Critical Illness Plan could help give you peace of mind for the future.

Our plan lets you choose a policy length that works for you, from 5 to 50 years, or up until your 75th birthday.

Plus, you can get cover for the kids too; keeping the whole family protected.

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

There are two 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.

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

How much would you need to cover your monthly outgoings or pay for unexpected treatment costs?

Think about everyday costs like household bills and childcare that would help you and your family 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 have a well-deserved holiday.

We’re here when you need us most.