Critical Illness Cover
Compare Critical Illness Cover Plans From Top UK Providers
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What is
Critical Illness Cover?
Gain instant access to critical illness cover quotes from the UK's top lenders
How it works
Start your quote journey
Simply click 'Get Started' and answer a few questions to start your search for the perfect critical illness cover quote for you.
Tell us what you need
Fill out some simple and straightforward details about you, so that we can prepare your critical illness cover quotes.
View your best deals
We'll personalise the service to your individual needs and goals, to find the perfect critical illness cover plans for you.
Why choose The Money Service?
Here are some of the ways our selected advisers can help:
Guidance every step of the way
Get honest, independent and specialist guidance on critical illness cover at every step of the way; from the information gathering stage, right through to the application and completion process.
Pressure-free service
When it comes to protecting against life's ups and downs, we're here to ensure you don't pay any more than you have to for the peace of mind that you're covered. You'll be free to take all the time you need before committing to anything.
What support is available
The Money Service is a trusted service - putting your needs first.
Comprehensive service
If you choose to go ahead with one of your quotes, we’ll take care of everything for you.
Specialist guidance
Not sure which type of cover to choose? Your dedicated adviser can explain your options.
Compare without obligation
Generate as many quotes as you need to without being under any pressure to proceed.
Low price guarantee
Get access to some of the best-priced critical illness insurance deals on the market.
What customers say
Excellent customer service
Very helpful, straight to the point, and made the application very easy and fast. I feel good now that my family is protected for such a small amount paid monthly!
Ben Louth
Got the best deals
They looked out not only for my best interests but that of my loved ones. I now have reassurance my children will be taken care of when I'm no longer able to.
Martin Woodham
Highly recommend
Professional, informative and zero pressure. Got a great policy and was extremely happy. Highly, highly recommend them.
Sophie Casey
Got the best policy for me
Answered all my questions and gave good advice. They explained the differences between the policies in a simple way and helped me to choose the right product for me.
Grace King
Helped me make the right choice
Took me through all the steps and gave me various options allowing me and giving me time to make an informed choice and summarised everything for me.
Andy Harrington
Best decision I've made
They answered all my questions with no hesitation and explained everything. It's great knowing I have some form of cover for myself and my family.
Connor Wickham
Answering your questions
Still unsure of a few things? We've got you covered with a few simple answers to some of our most frequently asked questions.
Critical illness insurance is a type of life cover that offers financial protection in the event of a serious illness or injury, to lessen the financial strain on your loved ones. You could receive a tax-free lump sum if you're diagnosed with an illness that your policy covers.
To apply for critical illness cover, you typically need to be a UK resident. Some providers have set maximum age limits for their policies, and certain pre-existing conditions may be excluded from your policy that are recorded in your medical history. Your selected adviser will inform you of any possible exclusions when you apply.
A lot of people wonder how much critical illness cover they need. Think about what would happen if you weren't able to provide an income for your family due to an illness. How much would your loved ones need? Will they be able to pay the mortgage, service debts and cover essential living costs without your help? It's important that you consider this along with how much cover you can afford to buy each month when deciding on the right amount of cover.
If you are diagnosed with an insured medical condition, critical illness cover will pay out a tax-free lump sum to help with your finances. This type of policy differs from life insurance, which is cover that pays out if you pass away. Providing financial support to your loved ones after you're gone, whether that is paying off the mortgage or helping them meet essential living costs.
You are entitled to spend the money however you wish. For example, you could choose to clear debts, adapt your home to meet your needs or pay medical bills.
What's covered by critical illness insurance will vary slightly between providers. However, conditions typically include:
- Heart attack
- Stroke
- Non-terminal cancer
- Multiple sclerosis (MS)
- Parkinson's
- Organ transplants