Critical Illness Insurance
Cover for when your health needs come first
Critical illness cover provides a tax-free lump sum if you’re diagnosed with a serious condition like cancer, heart attack, or stroke. It’s there to help you focus on recovery — not money — at a time when life takes an unexpected turn.
Whether you’d need time off work, support with childcare, or just help covering bills, this type of cover can ease the financial pressure during some of life’s most difficult moments. I’ll help you understand your options and choose something that works for your circumstances — not someone else’s.
Is This Right for You?
Critical illness cover might be worth considering if:
- You rely on your income to support your family
- You’re self-employed and don’t get sick pay
- You want to cover your mortgage or living costs during recovery
- You’re concerned about how your family would cope financially
- You want added protection alongside or instead of life insurance
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Discover the 5 important consideration when thinking about protection, plus a clear look at 4 common types of insurance and how they might fit your life.
Frequently Asked Questions
It pays out if you’re diagnosed with a condition listed in your policy, such as cancer, heart attack, stroke, or MS. Each insurer has different definitions — I’ll help you compare.
Life insurance pays out if you pass away. Critical illness cover pays out while you’re still alive — so you can use the money to support yourself during recovery.
It depends. Some people combine them, others choose one based on their priorities and budget. I’ll help you decide what fits your needs best.
Yes — though it may affect cost or exclusions. I can help you find insurers who are more flexible or specialised for your situation.
Anything – clearing bills, paying the mortgage, covering treatment, or simply giving yourself breathing space to recover. It’s yours to use how you need.
How I Can Help
Serious illness is hard enough without money worries too
I’ll help you understand your options clearly, compare policies that fit your budget and goals, and make sure you have the kind of support that really matters — if the unexpected happens.