Life Insurance with Critical Illness FAQ's

What critical illnesses do we cover?

Conditions covered for existing customers

If you already have a policy with us, the conditions covered will most likely be different to what we currently offer. If you want to know what you're covered for you can find this in your policy documents.

You can request policy documents online to check the conditions you have cover for, or call 0800 678 1906, open 8.30am - 6.30pm Monday to Friday. For TextDirect first dial 18001. We will  record and/or monitor calls for training and audit purposes.

Conditions covered for new customers

For new policies, we currently offer cover for 63 critical illness conditions, which are split between:

  • 43 full conditions - including cancer, Parkinson's Disease, heart-related conditions and stroke
  • 20 additional conditions - where we pay a proportion of your cover and if we pay out, your policy will still continue for the full amount

For 16 of these conditions we offer enhanced payouts: 

For six neurological conditions, we pay one and half times (150%) the amount of cover, up to a maximum of £200,000 (on top of the original cover). This only applies if you're diagnosed under the age of 45.

For ten conditions, we pay twice the amount of cover up to a maximum of £200,000 if the claim is as a direct result of an accident. There is no age limit for this and they are also available under children's cover. However, for children's cover the maximum payout is limited to £50,000. 

See the current full list of Life and Critical Illness conditions.

When you apply we'll ask you questions about your health, lifestyle and family history. Based on this, we may sometimes exclude some of these illnesses from your cover. If this happens we'll tell you before your policy starts. 

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