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Critical illness cover

The good news is that advances in medical science mean that more people than ever now survive serious illnesses. For example, 82% of breast cancer sufferers will survive for at least five years after diagnosis (Source:, for women diagnosed during 2001-2006. March 2010).

Being diagnosed and suffering from a critical illness can be emotionally and physically draining, disrupting your ability to earn a living or care properly for yourself and or your family.

Many people who are well enough to return to work can’t always work the same hours as before, so they could well experience a long-term drop in income. This is where Critical Illness Cover can really help. Even a little bit is better than none. It gives you peace of mind that if the worst happened, you’d be covered.

Critical Illness Cover pays a tax-free lump sum, or a monthly income, on diagnosis of any one of a list of serious illnesses; including cancer and heart attacks. Claims statistics suggest you are five times more likely to suffer from one of these than you are to die before you reach 65.

The money from Critical Illness Cover could help:

  • Pay off your mortgage
  • Repay loans or credit card debts
  • Pay for Childcare
  • Pay Council tax and other monthly bills
  • Medication or changes to the home

Having protection can’t reduce the odds of something happening to you; but it can make life a lot easier if it does.