Critical Illness Policy Details and Restrictions

Most insurance providers allow people to take out cover between the ages of 17 and 70. It can be for a specified number of years, for example the length of an applicant’s mortgage or for as long as you live.

Policyholders, upon taking out cover, usually have to wait before being able to make a claim. Please check the terms and conditions of cover as these times may vary.

Premiums have risen

Many insurers have cut back on the conditions covered or have restricted what is regarded as a critical illness due to the rise in claims.

Premiums have also risen by up to 50% and further increases are expected as medical technology develops.

Illness survival

Payouts are only made to those that survive a critical illness or disability, therefore the shorter the survival time required before the policy pays out, the better. Some insurers will pay as long as a policyholder survives a critical illness for a minimum of 15 days.

Complete the form below and we will compare the whole market for the cheapest critical illness cover quotation and provide advice for the most suitable policy for your circumstances.

Critical Illness Cover

Critical Illness Cover

Protect your family should you become seriously ill or disabled.

Critical Illness Cover
Family Income Benefit

Family Income Benefit

Protect the family income with a family income benefit quote.

Family Income Benefit