Critical Illness Cover

A critical illness policy covers certain illnesses which are listed and described in your policy document. It may not be an illness which is described as ‘critical’ by the medical profession. 

Critical Illness Cover policies can be cancelled by contacting your insurer. For more information, please visit manage your protection policy.

Critical illness insurance can cover pre-existing conditions. It’s very important to carefully read and accurately answer all medical questions in an application to make sure your provider is aware of conditions you're living with. The provider will let you know what can or cannot be covered. 

If you’re unsure about how much critical illness cover you need, seek financial advice. Premier customers can talk to one of our protection advisers. They’ll spend time getting to know your situation then recommend a policy from our hand-picked list of providers. Find out more about protection advice.

Critical illness cover payments are paid gross and are therefore not subject to income tax. The value of any tax benefits described depends on your individual circumstances. Tax rules may change in the future.

Critical illness cover is not based on your personal circumstances. If you have a valid claim, critical illness cover would pay the value of the sum we agreed to insure you for, as stated in your policy schedule.