Compare Critical Illness Insurance Providers in the UK
Major UK critical illness providers include Aviva, Legal & General, Vitality, Royal London, LV=, and Zurich. When comparing, prioritise condition definitions over number of conditions - this determines whether you'd receive a payout. Also compare additional benefits, claims statistics, and Defaqto ratings. Price alone shouldn't drive your decision.
What to Compare
Compare Critical Illness Providers
How each insurer defines covered conditions - this affects claim success
Compare Critical Illness Providers
Compare full, partial, and children's conditions covered
Compare Critical Illness Providers
Second opinions, wellbeing services, claims support, children's cover
Compare Critical Illness Providers
Check each provider's claims acceptance rate and payout speed
Frequently Asked Questions
Which UK insurers offer critical illness cover?
Major providers include Aviva, Legal & General, Vitality, Royal London, LV=, Zurich, Scottish Widows, and AIG. Each has different strengths in pricing, conditions covered, and additional benefits.
What's the most important thing to compare?
Condition definitions are most important. Two policies may cover 'heart attack' differently - one might pay for minor events while another requires permanent damage. Always compare the actual policy wording.
Are more conditions covered always better?
Not necessarily. Quality of definitions matters more than quantity. A policy covering 50 conditions with generous definitions may be better than one covering 100 with restrictive wording.
Should I choose based on price alone?
No. The cheapest policy may have stricter definitions, fewer additional benefits, or lower claims acceptance. Balance price with policy quality and provider reputation.
Related Questions
This page provides general information only and does not constitute personal financial advice. Critical illness insurance products and their terms vary between providers. Always read the policy documentation carefully before purchasing. Your Home Finance is authorised and regulated by the Financial Conduct Authority.