Critical illness cover

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Protect your small people, or other humans you love.

What is critical illness cover?

Critical illness cover offers an extra level of protection on top of a standard life insurance policy, so that if you develop one of the illnesses specified, you receive a tax-free lump sum payment to spend how you wish.

You may choose to use a pay-out to cover things like ongoing healthcare/treatment or simply maintaining your family’s standard of living, if you were unable to continue work for instance.

As well as offering cover for you, many insurers also include children’s critical illness cover at no extra cost (pay-outs are usually limited to £10,000 - £25,000).

If you are interested in buying a critical illness policy, simply select to include it when you get a life insurance quote.

Which illnesses are covered?

What insurers define as a critical illness can vary, but policies commonly cover heart conditions and some forms of cancer or kidney/liver failure.

Other conditions that could be classed as critical illness include:
  • Major organ transplant
  • Parkinson's disease
  • Deafness
  • Traumatic head injury
  • Bacterial meningitis

This list isn't exhaustive, and not all companies will cover all of these, so it's important to check policy details to see the full list of illnesses covered.

Why compare with Confused.com

Confused.com can help you find the best cover to suit your circumstances. We compare top UK insurers and show you the best deals all in one place.

When you search for life cover with Confused.com, we can help you:

  • Compare up to 12 trusted UK insurance providers
  • See independent star ratings from Defaqto
  • Get a tailored quote and an indication of how your application will be treated

Your application will be processed by our partner Direct Life & Pension Services Ltd. You’ll be assigned a dedicated and trusted case handler who'll liaise directly with your chosen insurer, keep you updated on the progress of your application and advise you on acceptance.

It takes just 3 minutes to get a quote online, but if you’d prefer to talk to one of our UK-based advisers, call us on 0800 422 0060 (Mon, Tues & Wed: 11am – 8:30pm | Thurs: 10am – 8pm | Fri: 9am – 4pm)

How much life insurance you need can be confusing, so we've created this handy life insurance calculator tool to help you decide how much cover you need.

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Confused Life is arranged and administered by Direct Life & Pension Services Ltd, who are authorised and regulated by the Financial Conduct Authority. Registered office; Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX. Registered in England and Wales No 2467691.