Life Insurance with Critical Illness Frequently Asked Questions

What critical illnesses do we cover?


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

We also offer 16 enhanced conditions. This is where we pay more (up to 150%) if you're under 45 years old when you claim.

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.

If you already have a policy with us, the conditions covered may be different to what we currently offer. Instead, you can find this in your policy documents. If you can't find your policy documents or have questions about your policy, please call our friendly team on 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.


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