Critical Illness Cover
Peace of mind when you need it most
- Comprehensive cover bespoke to your needs
- Competitive prices from leading insurers
- Protection and peace of mind
Access to leading providers
We work with leading insurance providers with comprehensive policies that meet your needs to provide you and your family with peace of mind:
What is Critical Illness Cover
Critical Illness Cover is an insurance policy that pays out a tax-free lump sum on diagnosis of certain specified Conditions. The conditions covered vary between providers, but usually include cancer, heart attack, multiple sclerosis, stroke, by-pass surgery, kidney failure, and major organ transplant. Additional conditions may be included and the extent of cover will vary between insurers.
Being diagnosed with a critical illness, can severely impact your finances. It may affect your ability to work or you may need to take time off work for your treatment and recovery.
Answer a few simple questions and we will then connect you to your personal Insurance expert.
Your expert will help you find the right
product for your circumstances to provide you and your family with
peace of mind.
All your application paperwork and follow up activities will be taken care of for you.
Why do I need critical illness cover?
If you are diagnosed with a critical illness the last thing you want to have to worry about is your personal finances or how you can support your family. Having critical illness cover in place provides you with the piece of mind that if anything happens you and your family are protected financially.
Here are some examples of what you may want your critical illness to cover:
- Pay off your mortgage & debts
- Provides essential funds when you need it
- Cover for potential medical expenses (e.g. doctors fee, medication, nursing support etc.)
- Changes to your home to meet your needs (e.g. ramps, stairlifts etc.)
Am I eligible for Critical Illness Cover?
Some insurers do have maximum age limits on their policies, and dependent on your medical history they may confirm that some conditions are excluded from your cover. You do also need to be a UK resident.
The benefit of using an advisor is that they will talk you through the process every step and support you understand what cover you have.
Optional Additional Benefits
- Not sure what you need? Speak to an insurance expert
What cover is right for me?
You could take just enough critical illness cover insurance to cover financial commitments (e.g. mortgage, loans etc.), or you could take a higher level of cover to make sure you can could any potential medical expenses (e.g. doctors fee, medication, nursing support etc.) and changes to your home to meet your needs (e.g. ramps, stairlifts etc.)
Our qualified advisors aim to make the process of understanding, finding and applying for critical illness cover as simple and hassle free as possible.
Critical Illness Cover Considerations
Single or Joint policy
Would a joint policy be suitable or are two single policies required? A joint policy only pays out when the first person is diagnosed with a critical illness that meets the policies conditions.
Your Needs
How much would you need to cover debts / mortgages? Would you need money for medical expenses and changes to your home? Is Income Protection needed to provide a monthly income?
Length of policy
When will your debts/mortgage be paid off? How long would you and your family be dependent on your income? When do you intend to retire?
Critical Illness cover Types
The two main types of critical illness cover are level term and decreasing term.
Level term
Level term life is where the amount insured will remain the same during the term of your policy, so you’ll know exactly how much you will receive.
Decreasing term
- Not sure what you need? Speak to an insurance expert
What do I need to get a quote?
Answer A Few Questions
Our Expert Will advise
We will complete an application with you
As part of the application, your expert will need to run through a series of questions with you:
- Details about you & your families health and medical history including any pre-existing medical conditions
- Information about your lifestyle including your occupation and whether you drink or smoke
- Whether you participate in any hazardous (high risk) hobbies (eg. Skydiving, base jumping etc.)
In most cases, you won’t need a medical exam. But if we do ask you to have one, don’t worry there won’t be any costs.
Be Confident
- Our Insurance Products
Our Insurance Products
Life Insurance
What is life insurance? Life insurance helps give your family financial protection should you pass away within the policy term.
- Pay off your mortgage & debts
- Provide family with an income
- Pay for university costs for your children
- Cover funeral costs
Critical Illness
What is critical illness cover? It's an insurance policy that helps protect you if you become critically ill during the policy term. It pays out a tax-free lump sum
- Provides essential funds when you need it
- Pay off your mortgage & debts
- Cover for potential medical expenses (e.g. doctors fee, medication, nursing support etc.)
- Changes to your home to meet your needs (e.g. ramps, stairlifts etc.)
Income Protection
What is income protection insurance? It's an insurance policy that can help support you with a monthly payment if you're ill or injured and can't work.
- Peace of mind in the event of injury / illness
- Stability for your family
- Reduces impact on lifestyle (e.g. food etc.)
- Maintain your critical bills such as your mortgage
- Reduces the likelihood of ending up in arrears / bad credit
Home Insurance
Cover for your buildings and contents. Home Insurance protects your home inside and out – covering your building and belongings.
- Peace of mind that your home &/or possessions are protected
- Buildings insurance covers the cost of repairing or rebuilding your home if it's damaged
- Contents insurance protects your personal possessions
Why Choose Insurance Confident?
At Insurance Confident we know how important it is for you to understand your
insurance and know that you & your family are protected. That’s why we are here to
offer you:
Personal Touch
Your expert will guide you through your options, answer your questions and take care of the application paperwork & phone calls. Making sure you are ‘Insurance Confident’.
Specialist Requirements
With a range of specialist products available, we will be able to help, even in the most complex circumstances.
Leading Providers
Our experts will provide access to the UK’s leading providers and have detailed knowledge of the range of products they have available
No Obligation Quote
Our friendly advisers are always on hand to help through-out your quotation
Reliable Insurance Brokers
Be assured with Insurance Confident
- Call us on 0300 303 6200 to speak to an adviser.
