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Frequently Asked Questions
Does critical illness cover payout?
Yes — nearly 9 in 10 critical illness claims were successfully paid in the UK in 2024, according to the Association of British Insurers (ABI).
With the right protection in place, you can focus on recovery rather than financial stress. Critical illness cover is designed to provide a lump-sum payout if you’re diagnosed with a serious condition, helping you:
Critical illness cover can help:
- Cover medical or care costs not covered by the NHS
- Maintain your mortgage or household bills
- Support your family financially during a difficult time
- Take time off work without worrying about lost income
Combined critical illness and life insurance can
simplify payments and may be cheaper
than separate policies, while still proven relate protection when its needed most.
How can I save money on critical illness cover?
You may be able to reduce the cost of critical illness cover by maintaining a healthy lifestyle, as factors such as smoking, alcohol consumption, and overall health can influence how insurers assess risk and calculate premiums.
Choosing a combined policy that includes both life insurance and critical illness cover may also be more cost-effective than taking out separate plans. It’s important to compare quotes from different providers and regularly review your cover to ensure it continues to provide the right level of protection for your needs.
Healthy lifestyle choices may help reduce premiums, but this is not guaranteed.
See how much critical illness cover could cost you How much critical illness insurance do you need?
The amount of critical illness insurance you need varies based on your financial situation and family needs. Consider your outstanding debts, monthly living expenses, and potential income replacement while recovering from an illness. Additionally, factor in any healthcare costs and your dependents' financial needs.
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Pricing
Quoted rates may vary and are subject to individual status and medical underwriting. Correct as of 2nd February 2026.
Critical Illness
Life Insurance and Critical Illness Cover quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 2nd February 2026.
£30,327 over 20 years
30 years old born in 1996
£21,237 over 20 years
35 years old born in 1991
£17,335 over 15 years
40 years old born in 1986
£12,920 over 15 years
45 years old born in 1981
£10,125 over 10 years
50 years old born in 1976
£7,287 over 10 years
55 years old born in 1971
£6,469 over 10 years
60 years old born in 1966
†From £10 per month for up to £280,000 is an example based on the following pricing illustrations. £10 per month Life Insurance quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 2nd February 2026.
£289,847 over 20 years
30 years old born in 1996
£173,440 over 20 years
35 years old born in 1991
£123,428 over 15 years
40 years old born in 1986
£81,616 over 15 years
45 years old born in 1981
£59,917 over 10 years
50 years old born in 1976
£34,029 over 10 years
55 years old born in 1971
£18,089 over 10 years
60 years old born in 1966
£11,689 over 10 years
65 years old born in 1961
£7,068 over 10 years
70 years old born in 1956
†From £5 per month for up to £90,000 is an example based on the following pricing illustrations. £5 per month Life Insurance quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 2nd February 2026.
£98,704 over 20 years
30 years old born in 1996
£63,621 over 20 years
35 years old born in 1991
£48,288 over 15 years
40 years old born in 1986
£31,699 over 15 years
45 years old born in 1981
£23,483 over 10 years
50 years old born in 1976
£15,467 over 10 years
55 years old born in 1971
£7,844 over 10 years
60 years old born in 1966
£5,837 over 10 years
65 years old born in 1961
£3,532 over 10 years
70 years old born in 1956