Critical Illness

Protect Your Future with Critical Illness Cover

Protect the future you’re building with your loved ones. Critical illness insurance covers you and your family if you’re diagnosed with a life-threatening or terminal illness.

What is Critical Illness cover?

Critical illness cover is one of the few life insurance policies that will pay out while you are alive. We’ve designed this cover to be your insurance policy if you become very ill with a critical illness and cannot work. Your insurer will pay a lump sum of money, as agreed in your policy, to help you and your family through your illness.


Coverage for 50+ Serious Conditions with a Critical Illness Policy

Protect the future you’re building by choosing critical illness cover. A policy will protect you and your family if you’re diagnosed with a terminal or life-threatening illness. Here are some conditions for which life insurance will pay out on diagnosis:

  • Cancer
  • Heart Attack
  • Stroke
  • Multiple Sclerosis
  • Benign Brain Tumour
  • Coronary Artery Bypass
  • Parkinson’s Disease
  • Heart Valve Replacement
  • Angioplasty
  • Aorta Graft Surgery
  • Blindness or Deafness
  • Loss of Limb

Critical illness cover will help you and your family if you ever experience the difficult days surrounding a diagnosis. Your policy gives you peace of mind because you can plan provision for your family’s income and needs if something tragic ever happens.

The Difference Between Life Insurance
and Critical Illness Cover

As mentioned before, life insurance pays out when you die. Critical illness cover will pay out if you receive a diagnosis of a specified life-changing illness. Insurer policies vary in terms of which illnesses they cover, but your insurer will send a full list with your policy documents to you when you take out a policy. An income protection policy, such as critical illness cover, is an excellent idea for those with a family history of a specific illness or another risk factor that causes concern. The lump sum payment will help you and your loved ones through the difficult aftermath of a diagnosis as you take stock and decide how to carry on with your lives.

Benefits of Critical Illness



If you ever need it, the policy will pay out a single lump-sum payment that is tax-free.

Financial security

Financial security

Protect your family’s finances in case you are ever diagnosed with a critical illness.

Cover for your kids

Cover for your kids

Many insurers can include children in case your child is diagnosed with a critical illness.

Control Your Life

Control Your Life

A critical illness payout can help you feel in control of life and even tick off your bucket list.

Other Useful

Is a Life Insurance Policy Worth It?

Absolutely. We know premiums and payments can feel like a bit much sometimes. Just for a moment, though, imagine the feeling of relief critical illness cover would bring you when your world turns upside down. When the doctor delivers the bad news and you must take stock of the near future with a terminal or crippling condition, you will be grateful for your life and critical illness insurance.

What affects the cost of a Critical Illness Policy?

Age is the most significant factor, followed closely by lifestyle choices, especially smoking. Every passing year raises your age-related premiums by 5-12%. Smoking can easily double or triple your premiums. Taking a critical illness policy when you’re younger will keep the costs down and help you afford cover.

What Does Critical Illness Insurance Cover?

The lump sum payment from a critical illness insurance policy can cover household bills, mortgage payments, a dream “bucket list holiday,” or anything else you can fund with the money. Common conditions, such as heart attacks, many types of cancer, and other terminal health problems are eligible for payouts under most life and critical illness policies.

What Happens If You Need to Make a Claim?

If you receive a life-changing diagnosis and need to make a claim, call your insurer for guidance. Insurers process claims if you survive for longer than a specified number of days after the diagnosis, normally 14 days. When you make a claim, if the policy conditions are met, your insurer will arrange for the payment of your benefits.

Who Is Eligible for Critical Illness Cover?

Critical Illness Cover is available for any UK resident between the age of 17-64. Your policy covers any children added to your policy until they are 23 years old. Most insurers require the policy’s term to end before you turn 80 years old. Critical illness cover does not pay out for an illness you knew about, but did not disclose, when you took out the policy.

What Can You Use the Payout For?

The payout is available to use in any way. It can cover household bills, a repayment mortgage, lost wages, or a special ‘bucket list’ holiday.

Which Critical Illness Insurance is Best?

You can set up critical illness insurance with a decreasing benefit. This means the payout will be smaller with each passing year. This type of policy is suitable for covering decreasing costs, such as a repayment mortgage, child support, and modern lifestyles. Critical illness cover with a decreasing benefit is less expensive. You could choose a level cover critical illness policy to receive a higher payout.

How Much Critical Illness Cover Amount Do You Need?

The amount of income protection insurance you need depends on your circumstances and what you are preparing to provide for your family. You can work out the best level of critical illness cover by considering the money you and your loved ones will need if you are unable to work. For example:

      • Does your income cover the mortgage payments?
      • Are there lifestyle costs you will need to fund?
      • Do you have an employee benefits scheme to help?
      • Will you receive any state benefits?
      • Could you receive a pension?

Your answer to each of these questions can help you decide the critical illness cover amount that’s appropriate for your family.

Why choose Critical Illness Cover From Protect Your Kids

Control your future with our critical illness cover. We can help you plan ahead. Right now, while you’re healthy and working, you can make choices to guarantee your family always has access to the money they need.

Why choose us?

We’re not “Negative Nellies” banging on about how you should fear the future and worry about your passing. Instead, we believe critical illness cover puts you in the driver’s seat for the future. Talk to one of our experts to start planning your future today.