What it covers.
The big ones — cancer, heart attack, stroke, multiple sclerosis, major organ transplant, loss of limbs — appear in every decent policy. Better policies also cover heart valve surgery, benign brain tumours, early-stage cancers, and dozens more serious conditions.
The definitions matter enormously. Some policies pay out on "cancer". Others only on "invasive cancer". We check the small print carefully so you know exactly what you're covered for — before you need to claim.
Realistic cover levels
£50,000–100,000 — Cover a year off work, tackle extra costs, maintain your mortgage payments.
£100,000–250,000 — Clear debts, adapt your home if needed, take proper recovery time without financial pressure.
£250,000+ — Comprehensive financial security for higher earners or those with larger commitments.
A 40-year-old non-smoker taking £150,000 cover for 25 years: roughly £35–50 per month.
What you need to understand.
- Underwriting is detailed
Insurers ask thorough health questions. Answer honestly — hiding things doesn't save money, it invalidates your policy exactly when you need it most.
- Condition definitions vary significantly
Not all "critical illness" policies cover the same things or use the same definitions. This is exactly where an independent adviser adds real value.
- The policy ends when you claim
One claim, one payout. This is why having both life insurance and critical illness cover together makes sense for most people with significant financial commitments.
- Existing conditions may be excluded
That doesn't mean no cover — all other conditions remain covered. We find insurers who will work reasonably with your medical history.