About Critical Illness Cover

Why this site exists

Needing money during an illness and qualifying for a payout are two different questions. Most people only find that out when they read their policy wording for the first time.

We built this site so you can understand what has to happen before cover pays, what it can pay for and what affects the cost. Then you can decide whether to talk it through with a specialist.

How we write our guides

Every guide starts from primary sources, such as the Association of British Insurers' minimum standards, gov.uk, HMRC manuals, the NHS and published Financial Ombudsman Service decisions. Each one lists the sources it relies on.

We use made-up examples with first names only, explain insurance terms the first time they appear and never name, rank or price insurers. When rules change, we update the guide and its date.

What happens when you enquire

You answer five short questions about who needs cover and what the money is for. There are no medical questions in the form.

Your enquiry goes to one protection specialist firm, an adviser or broker. They explain your options in plain English, and you decide whether to go ahead.

What we do not do

This site does not give advice, recommend a policy or sell insurance. Our guides are general information, so a specialist is the right person to look at your own situation.

Asking is free, and there is no obligation to go ahead.