Critical Illness Cover
A tax-free lump sum if you are diagnosed with a serious illness.
Critical illness cover pays a tax-free lump sum if you are diagnosed with a specified serious condition. The money can be used however you choose — to pay off your mortgage, cover medical costs, adapt your home, or replace lost income while you recover.
What is Critical Illness Cover?
Critical illness insurance pays out a lump sum on diagnosis of a specified serious illness — such as cancer, heart attack, stroke, or multiple sclerosis. Unlike income protection, it pays a one-off lump sum rather than a monthly income. The number and definition of conditions covered varies significantly between insurers, which is why independent advice is essential.
Who is it suitable for?
Key Benefits
Example Scenarios
Cancer diagnosis
A 42-year-old is diagnosed with breast cancer. Her critical illness policy pays out a £150,000 lump sum, allowing her to pay off her mortgage and focus on recovery without financial stress.
Heart attack
A 50-year-old business owner suffers a heart attack. His critical illness cover pays out, covering his lost income during recovery and funding modifications to his home.
Combined life and CI policy
A couple take out a joint life and critical illness policy. If either dies or is diagnosed with a critical illness, the policy pays out — providing comprehensive protection in a single, cost-effective policy.
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Why Choose JK Insurance Brokers?
- Whole-of-market access
- FCA authorised & regulated
- No broker fees
- Business protection specialists
- Personal, one-to-one service
- UK-wide advice