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Compare Critical Illness Insurance Quotes

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A Critical Illness policy can ensure your loved ones financial security, it is the ultimate gift you can give.

Don’t leave the future of your family to chance.

How does Critical Illness Insurance work?

Critical illness cover pays out a tax-free lump sum if you’re diagnosed with an insured medical condition. It’s not the same as life insurance, which pays money to a person or people you name if you pass away.

Your cover will be based on how long you want your policy to last, and how much you want to pay each month.

You’ll probably want to make sure that you have cover in place for as long as you still have significant demands on your income, such as an outstanding mortgage or children's education fees.

5 things to think about when buying Critical Illness Insurance

Be honest about your medical history

It’s important to give your insurer all the information they ask for. When you make a claim, the insurer will check your medical history. If you didn’t answer truthfully or accurately in your application, or you didn’t disclose something, your claim might be rejected.

Read the small print

Take your time reading and completing the application. Make sure you know exactly what is and isn’t covered. Be aware that definitions and exclusions (what isn’t covered) can vary between different insurers. If you see something you don’t understand, ask the insurer, an insurance broker or a financial adviser.

Consider a waiver

If you pay a bit extra to add a ‘waiver of premium’ to your policy, your monthly premiums will be covered automatically if you can no longer work due to illness or injury. This is to protect against your policy being cancelled if you miss a monthly payment. However, it usually kicks in only after you’ve been off sick for at least six months.

You can change your mind

You have 30 days from buying the policy to change your mind and get a full refund.

Can you switch to a better deal?

It’s always worth looking around for a better deal, particularly while you’re still in good health.
You can either switch to another provider or stay with the same one and change policy. Either way, make sure you understand any changes in the new policy details and the conditions they cover.

No matter where you are in the UK, we can help!

We work with highly experienced partners that are able to look any individual circumstances.

Critical Illness Insurance FAQs

Critical illness cover protects you if you are diagnosed with a serious illness such as cancer or a stroke. The lump sum payable is usually tax free and will provide valuable financial support to loved ones and anyone dependent upon your income. Critical illness cover is usually run in conjunction with a traditional life insurance policy.

Critical illness will pay out on the diagnosis of a serious illness or life changing condition, such as cancer, organ transplants, diseases such as motor neurone and permanent disability. All policies vary and not every condition is covered, it is therefore beneficial to seek professional advice from a protection specialist.

It will depend on your existing circumstances and what provisions you have already made. It is an excellent addition to life insurance, providing you with a lump sum to cover mortgage and other outstanding commitments, if you are diagnosed with a serious illness.

Again, this will depend upon your existing circumstances, family, medical history and age. As every policy is different, you will need to think of what you would like to cover medically, how much to clear your existing commitments and to provide for your dependents. All this information will be collated by our professional advisers, to ensure you are provided the right level of cover for your budget.

By completing the few questions on the above form, Compare Life Plans can start the process of finding you the right critical illness policy for you. One of our professional advisers will then discuss your existing circumstances, to understand what level of cover and the most suitable products for you and your loved ones.

Other Premiums

Quoted rates may vary and are subject to individual status and medical underwriting. Correct as of 25th March 2022.

Life Insurance

non-smoker in good health

  • £4.67 per month £150,000 level term Life Cover, 20 Years term

Critical Illness

non-smoker in good health

  • £4.32 per month £47,000 level term Life Cover, 25 Years term

Mortgage Protection

non-smoker in good health

  • £6.12 per month £265,000 of mortgage cover, 25 Years term

Whole of Life

non-smoker in good health

  • £4.32 per month £6,652 of whole life cover for 25 Years term

Couples Life Cover

non-smoker in good health

  • £4.32 per month £113,000 level term Life Cover, 20 Years term

Over 50's

non-smoker in good health

  • £23.55 per month £150,000 level term Life Cover, 30 Years term

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