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 to check the conditions you have cover for by calling 0800 678 1906. Lines are open 9.00am - 5.00pm 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 conditions, which are split between:

  • Full payment conditions - including cancer, Parkinson's Disease, heart-related conditions and stroke where we would pay the full amount you're covered for
  • Additional payment conditions - where we cover less severe conditions which will pay out an amount equal to the lower of 25% of your amount of cover or £30,000. This is paid in addition to your amount of cover, and your policy will still continue for the full amount. 

For 9 of these full payments we offer enhanced payouts where we will pay an additional 50% on top of your amount of cover if the claim is as a direct result of an accident. The maximum payment you can receive on top of your amount of cover is limited to £200,000.

Children's critical illness cover

To better support your family, you can choose to include children's critical illness cover, for an additional cost. This comes with a full range of benefits and can be included when your policy starts or added on in the future as long as you have at least 5 years remaining on the term of your policy. It covers your children until age 23 only, so it's important that you contact us once all your children reach age 23, to ask us to remove the cover, so you don't keep paying for cover you can't then claim on.

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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