mortgage

Critical Illness Cover

Compare our selection of critical illness cover providers in the table below. Whether you are looking for reviewable or guaranteed premiums we provide you with an independent service to help you find the right critical illness insurance deal. We have access to all major critical illness insurance providers. Send us an enquiry or call us on 0808 169 9664 for free quotes and advice. Our qualified advisers will make sure you are eligible for any deal before you apply and will provide expert support through the entire process. This service is provided in partnership with Endura Life.

AA Critical Illness Cover

Provider Maximum Cover Maximum Term Age Limit For New Customers From Action
logo £3m for up to 43 conditions 40 years or 69 years of age 64 years £6 per month Get Quote
Call Us To Compare Quotes From AA & Other Major Critical Illness Insurance Providers. Free Advice Service. 0808 169 9664

From £6 per month. Based on a 28 year old non smoker. Critical Illness Cover is provided as an add on to AA's Life Insurance Policies.


Aviva Critical Illness Cover

Provider Maximum Cover Maximum Term Age Limit For New Customers From Action
logo £1m for up to 58 conditions 50 years or 75 years of age 64 years £20 per month Get Quote
Call Us To Compare Quotes From Aviva & Other Major Critical Illness Insurance Providers. Free Advice Service. 0808 169 9664
Price based on figures from Jan - Dec 2017.

Scottish Widows Critical Illness Cover

Provider Maximum Cover Maximum Term Age Limit For New Customers From Action
logo £3m for up to 79 conditions 51 years or 69 years of age 64 years £5 per month Get Quote
Call Us To Compare Quotes From Scottish Widows & Other Major Critical Illness Insurance Providers. Free Advice Service. 0808 169 9664
From £5 per month. Based on a 32 year old non smoker. Critical Illness Cover is provided as an add on to Scottish Widows Life Insurance Policies.

AEGON Critical Illness Cover

Provider Maximum Cover Maximum Term Age Limit For New Customers From Action
logo £3m for up to 61 conditions 50 years or 84 years of age 74 years £20 per month Get Quote
Call Us To Compare Quotes From AEGON & Other Major Critical Illness Insurance Providers. Free Advice Service. 0808 169 9664
From £20 per month based on a 30 year old and £100,000 of life and critical illness cover.

Legal & General Critical Illness Cover

Provider Maximum Cover Maximum Term Age Limit For New Customers From Action
logo £3m for up to 43 conditions 40 years or 69 years of age 64 years £6 per month Get Quote
Call Us To Compare Quotes From Legal & General & Other Major Critical Illness Insurance Providers. Free Advice Service. 0808 169 9664
From £6 per month. Based on a 28 year old non smoker. Critical Illness Cover is provided as an add on to Legal & Generals Life Insurance Policies.

VitalityLife Critical Illness Cover

Provider Maximum Cover Maximum Term Age Limit For New Customers From Action
logo £3m for up to 114 conditions 50 years or 69 years of age 64 years £10 per month Get Quote
Call Us To Compare Quotes From VitalityLife & Other Major Critical Illness Insurance Providers. Free Advice Service. 0808 169 9664
Cover available between £20,000 and £100,000.

Zurich Critical Illness Cover

Provider Maximum Cover Maximum Term Age Limit For New Customers From Action
logo £5m for up to 85 conditions 50 years or 84 years of age 83 years £5 per month Get Quote
Call Us To Compare Quotes From Zurich & Other Major Critical Illness Insurance Providers. Free Advice Service. 0808 169 9664
From £5 per month. Based on a 28 year old non smoker. Critical Illness Cover is provided as an add on to Zurichs' Life Insurance Policies.

AIG Life Critical Illness Cover

Provider Maximum Cover Maximum Term Age Limit For New Customers From Action
logo Unlimited cover for up to 78 conditions 40 years or 69 years of age 59 years £5 per month Get Quote
Call Us To Compare Quotes From AIG & Other Major Critical Illness Insurance Providers. Free Advice Service. 0808 169 9664
£5 per month - decreasing term life insurance. £100,000 cover for a healthy 25-year-old non-smoker for 30 years. Critical Illness Cover is provided as an add on to AIG's Life Insurance Policies.

Old Mutual Wealth Critical Illness Cover

Provider Maximum Cover Maximum Term Age Limit For New Customers From Action
logo £3m for up to 78 conditions 40 years or 80 years of age 67 years £20 per month Get Quote
Call Us To Compare Quotes From Old Mutual & Other Major Critical Illness Insurance Providers. Free Advice Service. 0808 169 9664
Price based on figures from Jan - Dec 2017.

Royal London Critical Illness Cover

Provider Maximum Cover Maximum Term Age Limit For New Customers From Action
logo £3m for up to 79 conditions 50 years or 84 years of age 69 years £5 per month Get Quote
Call Us To Compare Quotes From Royal London & Other Major Critical Illness Insurance Providers. Free Advice Service. 0808 169 9664
From £5 - Based on a 30 year old male, non-smoker, £65,000 over 10 years on a decreasing policy. Critical Illness Cover is provided as an add on to Royal London's Life Insurance Policies.

Provider Details

AA Critical Illness Cover

Get Quote
  • Maximum Cover£3m for up to 43 conditions
  • Maximum Term40 years or 69 years of age
  • Age Limit For New Customers64 years
  • From£6 per month
Call Us To Compare Quotes From AA & Other Major Critical Illness Insurance Providers. Free Advice Service. 0808 169 9664

From £6 per month. Based on a 28 year old non smoker. Critical Illness Cover is provided as an add on to AA's Life Insurance Policies.

Provider Details

Aviva Critical Illness Cover

Get Quote
  • Maximum Cover£1m for up to 58 conditions
  • Maximum Term50 years or 75 years of age
  • Age Limit For New Customers64 years
  • From£20 per month
Call Us To Compare Quotes From Aviva & Other Major Critical Illness Insurance Providers. Free Advice Service. 0808 169 9664
Price based on figures from Jan - Dec 2017.
Provider Details

Scottish Widows Critical Illness Cover

Get Quote
  • Maximum Cover£3m for up to 79 conditions
  • Maximum Term51 years or 69 years of age
  • Age Limit For New Customers64 years
  • From£5 per month
Call Us To Compare Quotes From Scottish Widows & Other Major Critical Illness Insurance Providers. Free Advice Service. 0808 169 9664
From £5 per month. Based on a 32 year old non smoker. Critical Illness Cover is provided as an add on to Scottish Widows Life Insurance Policies.
Provider Details

AEGON Critical Illness Cover

Get Quote
  • Maximum Cover£3m for up to 61 conditions
  • Maximum Term50 years or 84 years of age
  • Age Limit For New Customers74 years
  • From£20 per month
Call Us To Compare Quotes From AEGON & Other Major Critical Illness Insurance Providers. Free Advice Service. 0808 169 9664
From £20 per month based on a 30 year old and £100,000 of life and critical illness cover.
Provider Details

Legal & General Critical Illness Cover

Get Quote
  • Maximum Cover£3m for up to 43 conditions
  • Maximum Term40 years or 69 years of age
  • Age Limit For New Customers64 years
  • From£6 per month
Call Us To Compare Quotes From Legal & General & Other Major Critical Illness Insurance Providers. Free Advice Service. 0808 169 9664
From £6 per month. Based on a 28 year old non smoker. Critical Illness Cover is provided as an add on to Legal & Generals Life Insurance Policies.
Provider Details

VitalityLife Critical Illness Cover

Get Quote
  • Maximum Cover£3m for up to 114 conditions
  • Maximum Term50 years or 69 years of age
  • Age Limit For New Customers64 years
  • From£10 per month
Call Us To Compare Quotes From VitalityLife & Other Major Critical Illness Insurance Providers. Free Advice Service. 0808 169 9664
Cover available between £20,000 and £100,000.
Provider Details

Zurich Critical Illness Cover

Get Quote
  • Maximum Cover£5m for up to 85 conditions
  • Maximum Term50 years or 84 years of age
  • Age Limit For New Customers83 years
  • From£5 per month
Call Us To Compare Quotes From Zurich & Other Major Critical Illness Insurance Providers. Free Advice Service. 0808 169 9664
From £5 per month. Based on a 28 year old non smoker. Critical Illness Cover is provided as an add on to Zurichs' Life Insurance Policies.
Provider Details

AIG Life Critical Illness Cover

Get Quote
  • Maximum CoverUnlimited cover for up to 78 conditions
  • Maximum Term40 years or 69 years of age
  • Age Limit For New Customers59 years
  • From£5 per month
Call Us To Compare Quotes From AIG & Other Major Critical Illness Insurance Providers. Free Advice Service. 0808 169 9664
£5 per month - decreasing term life insurance. £100,000 cover for a healthy 25-year-old non-smoker for 30 years. Critical Illness Cover is provided as an add on to AIG's Life Insurance Policies.
Provider Details

Old Mutual Wealth Critical Illness Cover

Get Quote
  • Maximum Cover£3m for up to 78 conditions
  • Maximum Term40 years or 80 years of age
  • Age Limit For New Customers67 years
  • From£20 per month
Call Us To Compare Quotes From Old Mutual & Other Major Critical Illness Insurance Providers. Free Advice Service. 0808 169 9664
Price based on figures from Jan - Dec 2017.
Provider Details

Royal London Critical Illness Cover

Get Quote
  • Maximum Cover£3m for up to 79 conditions
  • Maximum Term50 years or 84 years of age
  • Age Limit For New Customers69 years
  • From£5 per month
Call Us To Compare Quotes From Royal London & Other Major Critical Illness Insurance Providers. Free Advice Service. 0808 169 9664
From £5 - Based on a 30 year old male, non-smoker, £65,000 over 10 years on a decreasing policy. Critical Illness Cover is provided as an add on to Royal London's Life Insurance Policies.
  • What Is Critical Illness Cover?

    Critical illness cover can provide you with security if you are diagnosed with a very serious illness. Such cover usually takes the form of a tax-free large lump sum, paid on the diagnosis of a critical illness defined in the policy. The average claim for such a policy is a little over £60,000.

  • The Origins Of The Policy

    It’s been around now for about 30 years, and critical illness cover has its roots in the concerns that cardiac surgeon Dr Marius Barnard had for his patients when faced with a critical illness. In the intervening years, it’s a policy that’s given reassurance to countless people, for as the Association of British Insurers have found, approximately one million workers find themselves unexpectedly unable to work every year.

  • When Does It Pay Out?

    The situation naturally varies from policy to policy, but critical illness policies tend to pay out when a serious illness is diagnosed. However, you should check the exact terms of your policy before you sign up, as there are variations from provider to provider.

  • How Many Conditions Are Covered?

    Typically, critical illness policies provide cover for between 30 and 100 conditions. You might think you’d want the policy that covers the greatest number of conditions, but an alternative approach is to look out for policies that provide the most comprehensive cover for the most common conditions.

  • Degrees Of Cover

    Critical illness cover has come on in recent years, and policies vary, with some covering other members of your family, while others might offer different degrees of cover depending on the illness for which you claim, with a more serious illness giving you a higher payout.

  • What’s Not Covered?

    Before signing up, you should be sure to understand the conditions and limitations of your particular policy. Some critical illness policies don’t cover cancer for example, which is a concern given that half of us will be diagnosed with it at some point in our lives. So be sure to check the small print before committing.

  • For What Illnesses Are Claims Usually Made?

    Despite the fact that some policies don’t cover cancer, when you look at the most common reasons for which people claim, cancer is right up there alongside strokes, heart attacks, multiple sclerosis diagnoses and benign brain tumours. As for the average age of claimants, that’s 45 years.

  • How Successful Are Claimants?

    The percentage of successful claims made has been rising in recent years, but still around one in every 10 claims is turned down. If you are considering taking out a policy, you should check the percentage of successful claims specific firms have paid out – they should be published on their websites or elsewhere.

  • What Do Policies Usually Pay For?

    Lumps sum paid as a result of a successful claim can be used however you like. Typically, claims are used to pay off outstanding debts such as a mortgage and can be used to adapt your home or transport.

  • You Get What You Pay For

    Remember, cheaper insurance is cheaper for a reason; it’s less likely to pay out, so bear this in mind when choosing your policy. You get what you pay for.

  • Policies Can Widely Vary

    As with anything else you’re purchasing, it pays to do your research first and to shop around before you make your purchase. When it comes to critical illness cover, as we’ve seen, there are notable variations in the number of conditions covered, the definition of those conditions and the point of payout, so we would urge you to do your homework.

  • Be Open

    Remember, the insurance business is based on risk and trust – so you need to open about any health problems from which you suffer or have suffered. All medical complaints you’ve suffered in the past or recommendations made by your doctors must be disclosed to insurers, even if they seem irrelevant. Moreover, the job you do will play a part too, with some seen as a riskier proposition than others. Remember, if you are not completely open with your insurer at the beginning, any claim you make later on may well prove invalid, and you won’t have the safety net you were hoping for.

  • When Don’t They Pay Out?

    The most common reason for critical illness policies not paying out is the illness for which the policyholder is claiming not being covered by the policy. The next most common reason for claims being rejected is important information not having been disclosed.

  • Insurance In Combination

    You might want to take out your critical illness cover in combination with other insurance policies such as an income protection plan or life insurance. However, although this can prove cost effective, you should remember that if you take out a combined policy rather than separate ones, you are only ever likely to get one payout. So if you were diagnosed with a critical illness that then proved fatal, you’d be likely to receive a payment on diagnosis, but your family may receive nothing in the event of your death.

  • Your Insurance Needs

    Although online insurance can be quick and easy and can work well in some instances, it’s best to speak to an experienced insurance broker to find insurance coverage that meets your specific needs. Taking out critical illness cover could well be the sensible thing to do, providing you with reassurance and stability at a time when you need it most. Don’t leave it too late. Ideally, you should take out critical illness cover while you’re still healthy, so that you get the most comprehensive cover at the most competitive price.




Disclaimer: TheMoneyDaily’s service is not intended to be, nor should it be construed as financial advice. We help our readers make informed decisions and can introduce you to comparison services and provide impartial information and guides. Where appropriate, we may introduce FCA authorised partners who can provide services relating to financial products.