Being ill is hard work. But your finances don’t have to be.
What is Critical Illness Cover?
Critical illness Cover pays out a tax-free lump sum if you’re diagnosed with a serious illness.
This lets you focus on getting better instead of worrying about if the bills are paid.
- Protect your family and home.
- Covers you for up to 125 illnesses.
- Includes cover for children (up to £25,000).
- Starting from £5 per month.^
What illnesses are covered?
Most policies have a pretty comprehensive list of illnesses that are covered. Our expert advisers are legendary at guiding you through this type of stuff, so if you need any help just ask!
A typical list of conditions covered would usually include:
| Critical illness | Definition |
|---|---|
| Aorta graft surgery | requiring surgical replacement |
| Aplastic anaemia | with permanent bone marrow failure |
| Bacterial meningitis | resulting in permanent symptoms |
| Benign brain tumour | resulting in either surgical removal or permanent symptoms |
| Blindness | permanent and irreversible |
| Cancer | excluding less advanced cases |
| Cardiac Arrest | with insertion of a defibrillator |
| Cardiomyopathy | of specified severity |
| Coma | with associated permanent symptoms |
| Coronary artery by-pass grafts | with surgery to divide the breast bone or thoracotomy |
| Creutzfeldt-Jakob disease (CJD) | resulting in permanent symptoms |
| Deafness | permanent and irreversible |
| Dementia including Alzheimer’s disease | resulting in permanent symptoms |
| Encephalitis | resulting in permanent symptoms |
| Heart attack | of specified severity |
| Heart valve replacement or repair | with surgery |
| HIV infection | caught from a blood transfusion, physical assault or accident at work |
| Kidney failure | requiring permanent dialysis |
| Liver failure | of advanced stage |
| Loss of hand or foot | permanent physical severance |
| Loss of speech | total permanent and irreversible |
| Major organ transplant | from another donor |
| Motor neurone disease | resulting in permanent symptoms |
| Multiple sclerosis | where there have been symptoms |
| Multiple system atrophy | resulting in permanent symptoms |
| Open heart surgery | with median sternotomy |
| Paralysis of limb | total and irreversible |
| Parkinson’s disease | resulting in permanent symptoms |
| Primary pulmonary hypertension | of specified severity |
| Progressive supranuclear palsy | resulting in permanent symptoms |
| Removal of an eyeball | due to injury or disease |
| Respiratory failure | of advanced stage |
| Spinal stroke | resulting in symptoms lasting at least 24 hours |
| Stroke | resulting in symptoms lasting at least 24 hours |
| Systemic lupus erythematosus | with severe complications |
| Third degree burns | covering 20% of the surface area of the body or 20% of the face or head |
| Traumatic brain injury | resulting in permanent symptoms |
Note: This table is a rough guide only. Each policy has its own list of covered conditions.
Are pre-existing conditions covered?
We absolutely can cover pre-existing conditions. But it’s super important you give us full details of your medical history – no porkies!
Are my children covered too?
Yes. Most of our insurers include up to £25,000 of cover for your children as standard. This means if one of your children is diagnosed with a serious illness you can make a claim.
What’s the difference between Critical Illness & Terminal Illness Insurance?
The difference between these two is simple. Critical Illness Cover pays out as soon as you’ve been diagnosed with a specific condition. Terminal Illness Insurance only pays out if you get diagnosed & your doctor expects you to die in the next 12 months (you have to be terminally ill). This makes Critical Illness Cover is a way more comprehensive option.
“Options can be confusing. But my favourite part of the job is helping people find what they really need!”
Dan Fitchett - Neilson Place Financial Adviser
Can I combine Critical illness with a Life Insurance policy?
Absolutely! Loads of people do & we think it’s a great option. This means you’ll be covered if you get seriously ill or die. Meaning you’ve got double the protection.
Does Critical Illness Cover come with any extra benefits?
Sure does! Most of our insurers included their own extra perks alongside Critical Illness Cover. Our expert advisers always keep their eyes peeled for these, to make sure you aren’t missing a trick.
Some perks you might find are:
- Private medical support
- Discounts & rewards at select retailers
- Best doctors (Get a second medical opinion to make sure you’ve got the right diagnosis)
