How Do I Get a Critical Illness Quote?

Get critical illness quotes online or through an adviser. You'll need: age, smoker status, cover amount required, and policy term. A healthy 35-year-old non-smoker might pay £30-50/month for £100,000 cover. Factors affecting price: age (biggest factor), smoking (+50-100%), cover amount, policy term, and health history. Online quotes are indicative - final price depends on medical underwriting.

How do I get a critical illness quote?

You can get quotes online, over the phone, or through an adviser. You'll need your date of birth, smoker status, desired cover amount, and policy term. Full medical underwriting happens at application.

What information do I need?

Basic details for a quote: date of birth, smoker status, cover amount, policy term. For full application: medical history, lifestyle details, occupation, height and weight.

Are online quotes accurate?

Online quotes are indicative. Final price depends on full medical underwriting - some conditions may increase premiums or lead to exclusions. Get personalised quotes for accuracy.

How can I get a cheaper quote?

Choose decreasing cover, shorter term, combine with life insurance, stop smoking, and compare multiple providers. But don't just choose the cheapest - check claim rates too.

Quick Answer

How Much Will Critical Illness Cost Me?

Last reviewed: December 2025

Reviewed by Jay Sabine – CeMAP Qualified – 29 years experience

Get quotes with: age, smoker status, cover amount, term length. Example: 35-year-old non-smoker might pay £30-50/month for £100k. Compare 3-5 providers.

Getting a critical illness quote is straightforward. You provide basic information and receive indicative pricing. Final quotes depend on full medical underwriting during the application process.

Key Points

1Age is biggest pricing factor
2Non-smokers pay 50% less
3Combine with life insurance for savings
4Decreasing cover costs less
5Compare multiple providers
6Online quotes are indicative

Eligibility Criteria

UK resident aged 18-65 typically
Health declaration required
Some conditions affect pricing
Smoking includes vaping

Typical Timeframe

Online quotes take minutes. Full application 1-4 weeks depending on medical history.

Next Steps

1Calculate cover amount needed
2Gather basic information
3Get quotes from 3-5 providers
4Compare cover not just price
5Speak to protection adviser

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How Much Will Critical Illness Cost Me?

Key Points

Eligibility Criteria

Typical Timeframe

Next Steps

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