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Critical illness insurance

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What is Critical Illness?

Critical illness cover gives you financial protection against certain illnesses and medical conditions of a specific severity.

Your cover will provide you with a tax-free lump sum cash payment which can be used to help you and your family. For example, it could help you pay off your mortgage, pay for treatment to help you recover or pay your household bills.

The New Guide to Minimum Standards for Critical Illness Cover

The Association of British Insurers released a revised Guide to Minimum Standards for Critical Illness Cover on 16 September 2022. Before then, the Minimum Standards were last reviewed in 2018.

The review of and updates to the Minimum Standards were supported by the ABI Critical Illness Working Group and the ABI Health and Protection Board before being approved by the ABI Board. 

To view the new Guide to Minimum Standards for Critical Illness, please click hereTo view the Consumer Guide to Critical Illness insurance, please click here 

All critical illness policies cover the following illnesses, providing they are of a certain severity:

  • cancer
  • heart attack
  • stroke

Covers varies between insurers and some policies include additional medical conditions, so check the details of your policy with your insurer.

Next steps

If you have a policy, want to buy some cover, or just want more information: