How Do I Apply for Critical Illness Cover Through UK Insurance Comparison Websites
To apply for critical illness cover through comparison websites, enter your age, smoking status, and desired cover amount to receive quotes from multiple insurers. Click through to your chosen provider to complete the full application. Comparison sites don't show all providers, so consider using a broker for complex cases.
How the Process Works
Enter your details
Provide basic information: age, smoking status, cover amount, and policy term.
Compare quotes
Review prices, conditions covered, and policy features from multiple providers.
Select a policy
Click through to your chosen insurer's website to start your application.
Complete underwriting
Answer detailed health and lifestyle questions with your chosen provider.
What to Consider When Using Comparison Sites
Limited Provider Selection
Not all insurers appear on comparison sites - some major providers sell direct only
Policy Definitions Vary
Check condition definitions carefully - the cheapest policy may have stricter terms
Indicative Quotes Only
Final premiums depend on full health and lifestyle underwriting
No Personalised Advice
Comparison sites don't assess your individual needs or recommend cover levels
Frequently Asked Questions
Are comparison website quotes accurate?
Comparison sites provide indicative quotes based on basic information. Final premiums may differ after full underwriting, especially if you have health conditions or high-risk occupations.
Can I buy directly through a comparison site?
Most comparison sites redirect you to the insurer's website to complete your application. Some offer click-through purchases, but you'll still complete the full application with the provider.
Do comparison sites show all insurers?
No. Comparison sites only show insurers they have partnerships with. Some major providers don't appear on comparison sites, so it's worth checking directly with insurers too.
Is it better to use a broker instead?
Brokers can access the whole market, provide personalised advice, and help with complex cases. For straightforward applications, comparison sites can be a good starting point.
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.