Lifestyle Protection

Critical Illness Cover

how would you and your family cope financially if you suffer a critical illness

Have you ever considered how you and your family would cope financially if you suffer a critical illness? For example, a cancer, a stroke, a heart attack, to name just a few?

Critical illness cover provides the safety net that could help you get back on your feet after a critical illness.

It will help you, your partner, or your family keep the lifestyle you’re used to before you became critically ill.

Critical illness cover pays out a lump sum or a regular monthly income if you're diagnosed with a critical illness covered under your policy.

And certain additional benefits, such as free critical illness cover for children (subject to certain limits), are included by some providers.

The types of Critical Illness cover

We will guide you through the cover which will be most suitable for you depending on your circumstances.

A lump sum for you and your family, the options available are between an amount that stays the same, one that goes down in line with your outstanding mortgage or one that goes up with inflation.

A level lump sum will pay out the same fixed amount no matter when the claim's made.

An increasing lump sum grows by a particular rate in your plan.

A decreasing lump sum will pay out less and less over time. People usually have this option to cover the remaining balance on a mortgage which will be getting smaller as they pay it off.


A monthly income. If you want your or your family to get a monthly income rather than a lump sum, you can decide whether the amount should be fixed i.e. level, or grow with inflation. This would be like still getting a salary payment if you were too ill to work for example.