Protection
Critical Illness Cover Advice
A serious illness shouldn't also become a financial crisis. Critical illness cover pays a tax-free lump sum on diagnosis — giving you space to focus on recovery, not bills.
Why Choose Us
The right definitions can be worth tens of thousands at claim
Insurers use very different wording for the same condition. We compare not just price but the quality of definitions and the claims record so the cover actually pays out when you need it.
- Side-by-side comparison of condition lists and severity definitions
- Combined or standalone structures modelled against your budget
- Children's cover, additional payment benefits and total permanent disability options reviewed
- Support for non-standard medical history with insurers most likely to offer terms
- Annual review service to flex cover as life changes
Your Journey
A straightforward process
Needs Review
We assess your income, mortgage, savings and family commitments to size the cover correctly.
Definitions Compare
We compare condition lists, severity tiers and additional payments — not just the monthly premium.
Underwriting
We pre-position your application with the insurer most likely to offer suitable terms for your health profile.
Cover in Force
We confirm cover, hand over policy documents and stay available for claims support.
FAQs
Common questions
What conditions does critical illness cover pay out for?+
Most insurers cover 40–80+ defined conditions — typically including cancer, heart attack and stroke. The exact list and severity definitions vary materially between insurers, which is why expert comparison matters more than headline price.
How is critical illness different from income protection?+
Critical illness pays a tax-free lump sum on diagnosis of a covered condition. Income protection pays a monthly income if you can't work due to illness or injury. Many clients hold both because they solve different problems.
Can I add critical illness to a life insurance policy?+
Yes — combined cover is often cheaper than two standalone policies and can be structured to pay out on first claim or to leave life cover in place after a critical illness payout. We'll model both routes.
Does critical illness cover include children?+
Most modern policies include children's cover automatically up to a capped amount per child. We'll point out which insurers offer the broadest children's definitions if that matters to you.
Are pre-existing conditions excluded?+
Insurers will usually exclude conditions you've already had or are currently being investigated for. We'll position your application with insurers whose underwriting stance best matches your medical history.
Protect your income and recovery
Find out what good critical illness cover looks like for your circumstances — and what it would actually cost.