Critical illness cover
Get up to £10,000 of critical illness cover from £8.29 a month*
*Cheapest quote offered on £100,000 of level life cover and £25,000 critical illness cover, with a 25 year term, for an individual with no medical conditions and no history of smoking. Based on data from online sales May 2025.
How does it work?
Getting a quote is easy. All you need to do is:
Fill in your details
We’ll show you our best quotes, select the one you like the look of
Having your details to hand will speed up the process. We’ll ask you:
Name, age, address
Your height and weight
Details of any pre-existing conditions you may have
Whether you smoke
How much you want to pay per month
How long you want the policy to last
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What is critical illness cover?
Critical illness cover offers an extra level of protection on top of a standard life insurance policy, so that if you develop one of the illnesses specified, you receive a tax-free lump sum payment to spend how you wish.
You can use a pay-out to cover things like ongoing healthcare, treatment or simply maintaining your family’s standard of living, if you were unable to continue work.
As well as offering cover for you, many insurers also include children’s critical illness cover at no extra cost. Children’s critical illness cover pay-outs are usually limited to £10,000 - £25,000.
If you’re interested in buying a critical illness policy, you can add it as extra cover on the results page. Interested in insuring two lives? See joint life insurance policies.
Other types of life insurance
Depending on your needs, you may want to consider buying additional types of cover:
Critical illness cover
Critical illness cover enhances life insurance with extra protection. It pays a lump sum for specified illnesses. You can use a payout to cover things like healthcare, treatment, or family support if needed.
Income protection
Income protection, also called loss of earnings insurance, protects your income if you can't work due to sickness or injury. It offers regular payments to you and your family when you can't work, helping cover living costs like mortgages, loans, and bills.
Mortgage life insurance
Mortgage life insurance is designed to pay off your mortgage when you die. It's a type of decreasing term life insurance. This means the payout your beneficiaries get decreases in line with your mortgage balance. So if you die at the start of your policy, they get a larger payout than if you die at the end.
Joint life insurance
Joint life insurance covers two people with shared financial interests, like a mortgage. If one person dies, the policy pays out once and ends, leaving the other person uninsured. If you only need one payout, joint cover may be the best option as it tends to be cheaper than buying two separate policies.