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 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 conditions, which are split between:

  • Full conditions - including cancer, Parkinson's Disease, heart-related conditions and stroke where we would pay the full amount you're covered for
  • Additional conditions - where we cover less severe conditions which will pay out an amount equal to the lower of 50% 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 17 of these full conditions we offer enhanced payouts: 

For four neurological conditions, we pay double the amount of cover, up to a maximum of £200,000 (on top of the original cover) if diagnosed before the age of 55.

For ten conditions, we pay double the amount of cover, up to a maximum of £200,000 (on top of the amount of cover) if the claim is as a direct result of an accident. There is no age limit for this. 

If you have a major organ transplant, liver failure or severe lung disease that meets our definition, we pay double the amount of cover up to a maximum of £200,000 (on top of the amount of cover).

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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