Critical Illness Insurance UK

Protect your health and finances

Critical Illness Insurance

We'll help you get the right protection for you and your family

In today’s uncertain world, securing your financial future is more important than ever. Critical Illness Insurance offers peace of mind by providing a financial safety net if you’re diagnosed with a serious illness. This coverage ensures you can focus on recovery without the added stress of financial burdens.

What is critical illness insurance?

Critical Illness Insurance is a type of insurance policy that provides a lump sum payment if you’re diagnosed with a specified critical illness. This payout can be used to cover medical expenses, household bills, or any other financial obligations, allowing you to concentrate on getting better.

      EXCELLENT  
   Based on 17 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Adrian West 
 13/01/2026
 
 
 Trustindex verifies that the original source of the review is Google. A professional service with great quotes on offer by a knowledgeable company
  
 
      Posted on Google  
   
   Karen Middleton 
 28/08/2025
 
 
 Trustindex verifies that the original source of the review is Google. Very quick response to my enquiry - called when arranged and full explanatory details of relevant covers available. Very impressed with service I received.
  
 
      Posted on Google  
   
   Andrea Rees 
 10/07/2025
 
 
 Trustindex verifies that the original source of the review is Google. Made process simple and hassle free. Thank you Nigel
  
 
      Posted on Google  
   
   stephen petford 
 30/06/2025
 
 
 Trustindex verifies that the original source of the review is Google. This service was excellent Nigel was a good listener and tailored the cover for my needs : He also was very clear and honest what I could not have and through all communications is a highly professional individual with no waffle just facts to help me make an informed choice. I would recommend Nigel and this service to anyone.
  
 
      Posted on Google  
   
   Gill Holmes 
 24/02/2025
 
 
 Trustindex verifies that the original source of the review is Google. Nigel Rowe at multi quote was brilliant, nothing was too much trouble for him, he sorted life insurance for both me and my husband and even though mine was more complicated he still made everything easy and trouble free from start to finish. This gentleman is highly recommended.
  
 
      Posted on Google  
   
   Colin Shanks 
 14/02/2025
 
 
 Trustindex verifies that the original source of the review is Google. Yesterday, I called and spoke with Mr Nigel Rowe who I have dealt with in the past and I always remember what he said before, if I had any problems to call him and he would offer his help. I wanted to know if he had any experience with dealing with "Powers of Attorney". Nigel is an excellent communicator and I value his opinion and advice on the information he gave me. Nigel is a great ambassador for the company he works with and a pleasure to deal with. Thank you Nigel for an outstanding customer service which is greatly appreciated.
  
 
      Posted on Google  
   
   S Br 
 11/02/2025
 
 
 Trustindex verifies that the original source of the review is Google. First class  personal service. I have used this company on more than one occasion and I can’t recommend them highly enough.
  
 
      Posted on Google  
   
   Simon Zammit 
 10/02/2025
 
 
 Trustindex verifies that the original source of the review is Google. Nigel was extremely helpful when I needed to find both life and critical illness coverage. He worked promptly and provided me with a range of potential solutions, explaining the benefits and limitations of each. The process was simple and effective, resulting in my purchasing the cover I needed. Thank you Nigel, for the professional advice and tailored support. I highly recommend Nigel, and would not hesitate to use his services again in the future.
  
 
      Posted on Google  
   
   carol young 
 30/01/2025
 
 
 Trustindex verifies that the original source of the review is Google. Very helpful and what was really appreciated was Nigel was not pushy about the service, didn't feel that I had too use this service, would definitely recommend
  
 
  
  
 
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How does critical illness insurance work?

Select a Policy

With the help of our expert advisors we will help you choose a policy that suits your needs and budget.

Pay Premiums

Once your cover is confirmed, maintain your premiums to ensure you are covered should the unthinkable happen.

Receiving a diagnosis

If the unfortunate happens and you are diagnosed with an illness that is covered by your policy then you will be able to submit a claim.

Receive a payout

Once your claim has been approved, you will receive a lump sum payout based on how much cover you selected when taking out the premium.

Key Benefits of Critical Illness Insurance

Critical Illness Insurance is essential for anyone who wants to protect their financial future. Whether you’re single, married, or have a family, this coverage can provide vital support during a difficult time.

Customisable Plans: Tailor your policy to fit your specific needs
Fast Payouts: Quick claims process ensures you receive funds when you need them most
No Restrictions: Use the lump sum payment for any purpose, from medical bills to everyday expenses

Critical Illness Insurance FAQs

What illnesses are covered by Critical Illness Insurance?

Most policies cover major illnesses such as cancer, heart attack, stroke, kidney failure, and major organ transplants. It's important to review the specific terms of your policy for a complete list.

Is Critical Illness Insurance the same as Health Insurance?

No, Critical Illness Insurance provides a lump sum payment upon diagnosis of a covered illness, while Health Insurance typically covers medical expenses related to treatment.

Can I have multiple Critical Illness Insurance policies?

Yes, you can hold multiple policies, but it's important to ensure that the coverage meets your needs without unnecessary overlap.

How do I make a claim on my Critical Illness Insurance policy?

To make a claim, you need to provide medical documentation confirming the diagnosis of a covered illness. Our team will guide you through the claims process to ensure a smooth experience.

Is the payout from Critical Illness Insurance taxable?

In most cases, the lump sum payment from Critical Illness Insurance is tax-free. However, it's advisable to consult with a tax professional for specific advice.