Critical Illness Cover: Lump Sum Protection Guide
Your complete UK guide to critical illness cover. Critical illness insurance pays a tax-free lump sum if you're diagnosed with a serious condition like cancer, heart attack, or stroke. It's protection for when life takes an unexpected turn.
Use this hub to understand how critical illness insurance works, what it covers, whether it's right for you, and how to find the best policy.
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Verified Client Reviews
Arranged Last 12 Months
Experience
Reference: 989177
Finance made easy.
1 in 2
Will develop cancer
Source: Cancer Research UK
92%
Claims paid (2023)
Source: ABI Claims Data
£67k
Average payout
Source: Industry average
65%
Claims are for cancer
Source: ABI 2023
Understanding Critical Illness
Simple guide to how CI works
Insurance terminology explained
Step-by-step process
Full list of covered conditions
UK-specific guidance
What qualifies as critical illness
Which cancers are included
Why adviser advice matters
Is It Worth It?
Weighing the costs and benefits
Value assessment
Personal decision guide
Key reasons to consider
Benefits explained
Timing your purchase
Is it right for you?
How Much Cover?
Calculate your cover amount
Coverage planning guide
Determining the right level
Standalone CI policies
CI without life insurance
Comparisons
Key differences explained
Which is right for you?
Different purposes
Understanding the distinction
Coverage comparison
Add-on vs standalone
Compare UK providers
Finding the right policy
Policy comparison guide
Combined Cover Options
Combined cover options
Bundled protection
Joint policies explained
Two-in-one coverage
Adding CI to life insurance
Standalone options
Complete protection package
Choosing between them
CI for Your Mortgage
Protecting your home loan
Mortgage-linked policies
Specific mortgage protection
Claims & Payouts
Claim triggers explained
Claims process guide
Conditions and exclusions
Full coverage details
What you receive
Insurance Providers
Aviva critical illness cover features and claims.
L&G critical illness policies and reviews.
Vitality rewards and critical illness benefits.
LV= critical illness products and claims reputation.
Zurich critical illness plans and options.
Royal London critical illness features.
AIG critical illness cover options.
Scottish Widows critical illness policies.
Canada Life critical illness cover.
Aegon critical illness insurance options.
Quotes & Comparison
Get your quote
Compare quotes
Combined quotes
UK provider options
UK market guide
Top providers compared
Costs & Specific Circumstances
What you'll pay
Budget-friendly options
Options for older applicants
Cardiac condition coverage
Claims statistics by provider
Combined policies compared
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Need Help Choosing?
Our advisers compare the whole market to find the right cover for you