How to Apply for Critical Illness Benefits
To apply for critical illness benefits, contact your insurer immediately after diagnosis. Complete the claim form, provide medical evidence (diagnosis letters, consultant reports), and submit your claim. The insurer will assess whether your condition meets the policy definition. Most claims are processed within 4-8 weeks, with payment made directly to your bank account.
Application Process
Notify your insurer
Contact your insurer by phone or online to inform them of your diagnosis. Have your policy number ready.
Receive claim pack
The insurer will send you a claim form and explain what medical evidence they need.
Complete claim form
Fill in the claim form with your diagnosis details, consultant information, and treating hospital.
Submit medical evidence
Provide diagnosis letters and medical reports. The insurer may request records directly from your doctor (they pay for this).
Claims assessment
The insurer reviews your claim against the policy definition. They may ask follow-up questions.
Receive payment
If approved, your lump sum is paid directly to your bank account, usually within a few days of approval.
What You'll Need
Policy Number
Found on your policy documents or annual statements
Diagnosis Letter
Official confirmation from your consultant or hospital
Doctor Details
Names and contact details of treating doctors and hospitals
Medical History
Timeline of symptoms, tests, and diagnosis
Typical Timeline
Day 1: Notify insurer of diagnosis
Days 2-7: Receive and complete claim form
Weeks 2-6: Insurer gathers and reviews medical evidence
Weeks 4-8: Claim decision and payment (if approved)
Frequently Asked Questions
How soon after diagnosis can I apply?
Apply as soon as possible after receiving your diagnosis. You don't need to wait for treatment to start or finish. Early application means faster processing and quicker access to your payout.
Who can apply for benefits on my behalf?
If you're unable to apply yourself due to your condition, a family member, partner, or person with power of attorney can contact the insurer and begin the process on your behalf.
How is the benefit paid?
Critical illness benefits are paid as a tax-free lump sum directly into your bank account. You choose how to use the money - mortgage, treatment, living costs, or anything else.
What if I'm diagnosed with two conditions?
Most policies pay out once for one claim, then end. If you're diagnosed with multiple conditions at the same time, you'll typically receive one lump sum. Some policies have 'buy-back' options allowing a second claim later.
Related Questions
This page provides general information only and does not constitute personal financial advice. Claims processes vary between insurers. Your Home Finance is authorised and regulated by the Financial Conduct Authority.