What is critical illness cover?

Adding critical illness cover to your life insurance policy ensures that you’ll have some financial support if you become seriously ill. If your condition is covered by your policy, you'll receive a lump sum to help with household bills, medical costs or even home adjustments if you become disabled. 

While life insurance can help to protect your family if you pass away, critical illness cover helps to protect you if you are seriously ill.

Our life & critical illness partners

We work with leading UK insurance brands to bring you the best prices† and cover you can rely on.

Why you need life insurance & critical illness

Could your family get by if you were no longer around or became seriously ill and couldn't work? Life insurance protects your loved ones financially by providing a lump sum if you pass away. Critical illness cover pays out a lump sum if you are diagnosed with a serious medical condition. Adding critical illness cover to your life insurance policy can protect you against lost income and costs associated with your recovery. 


Making a critical illness claim won’t impact your life insurance policy, meaning if you pass away at a later date, your family still receive the full payout. If you don’t claim critical illness, it is added to your life insurance benefit.

What do you need to get a quote?

With just a few details, you can get the right quote for you.

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Health details

Insurers require information about you and your family's health and medical history, including any pre-existing medical conditions. 

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Lifestyle information

Insurers need information about your lifestyle choices, including whether you smoke or drink.

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Age and occupation

Your age and occupation can affect how much you pay. The older you are, the more expensive it's likely to be. 

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Partner's details

If you're applying for joint cover, you'll also need to provide your partner's health details, lifestyle information and occupation. 

How long will it take?

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About you
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Your Cover
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Lifestyle
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Health
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Your quotes

The value of critical illness cover

Adding critical illness cover is a small step that could make a big difference to you and your family. Life insurance protects your loved ones if you die, but have you considered what might happen if you find yourself critically ill or injured?


Life insurance with critical illness cover could be extremely beneficial if you are diagnosed with a serious illness such as a stroke, cancer or a heart attack providing they are of a certain severity. It can also protect you if you suffer a serious injury leading to a disability or an inability to work.


While we always hope for the best, it’s a good idea to prepare for the worst – especially when you have family that rely on your income. The lump sum payout you will receive from critical illness cover could help you keep up with living costs, household bills and medical costs. 

Calculate your life insurance cover

Everyone is different and that means the amount of insurance you need will depend on your personal circumstances. Use our handy calculator to find out how much cover you need. 

Frequently asked questions

  • What's covered by critical illness cover?

    What’s covered by critical illness cover varies depending on the provider. The severity of how you’ve been affected by the condition may also affect whether you can claim critical illness cover. 

    Physical disabilities caused by serious injury can also be covered in some cases. This might be an accident at work or a car accident for example. Some common conditions covered include cancer, heart attack and stroke providing they are of a certain severity.

  • How does life and critical illness cover work?

    When you get a quote for life insurance, you can choose to add critical illness cover. You can choose how much cover you want for each policy and your monthly payments will be calculated based on how much cover you want, your age and some health and lifestyle factors. Cover for both policies will be from the same provider and your monthly premiums for each policy will be payable at the same time.

  • What if I get a critical illness before I die?

    In the case that you are diagnosed as critically ill or injured, you will receive a tax-free lump sum payment if you suffer a critical illness that is covered under your policy.

    Should you die without having ever claimed critical illness, your family will receive both payments at once.

  • Can I get critical illness cover for my partner?

    Yes, you can take out critical illness cover for both you and your partner. It’s a hassle free process as critical illness cover can easily be added onto your life insurance policy.

  • What if I have a pre-existing condition?

    A pre-existing medical condition is an illness or disease that you have had advice for, symptoms of, or treatment for before taking out critical illness cover. There may be some pre-existing conditions that affect your ability to take out critical illness cover. 

    When you apply for critical illness cover with Choozi, we will ask you some health and lifestyle questions to help decide whether or not you are eligible for cover. If you need more information regarding whether your pre-existing condition will affect your ability to take out critical illness cover, please call us on 0800 458 3050.

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Dependent on age, lifestyle and cover.

Best price refers to cheapest prices available across Choozi’s insurers based on individual circumstances.