To help you find the best critical illness policy, think about:
How much cover you need: Each insurer offers a maximum amount of cover you can claim, ranging from £25,000 to an unlimited amount.
What conditions you want covered: Most policies offer cover for types of strokes, cancer and heart attacks, with some also covering up to 114 different conditions.
How long you want the policy for: Each insurer sets a maximum term you can have a policy for, or up to a set age, whichever comes soonest.
Your age: This could affect your ability to get critical illness cover, with some insurers not letting you apply for a policy when you reach a certain age, e.g. 59.
However, if you want cover that is not limited to a set term, or ends when you reach a certain age, you could get whole of life critical illness cover instead.
Use this comparison to find a critical illness policy that offers the cover you need over the term you want.
How to apply
Once you find insurers that offer the cover you need, contact them to get a quote. Depending on the insurer, you could get a quote:
Online, by completing a form on the insurer's website
Over the phone, by speaking to the insurer's critical illness cover specialist
In person, by speaking with a financial adviser or specialist at the insurer's local branch
Alternatively, you could give your details to a specialist broker who will attempt to find the best policy for you.
How to get the best price
To find the cheapest critical illness policy, get several quotes by using this comparison.
Based on the information you give when getting a quote, the insurer will send you:
What cover you have chosen
How much you will pay each month
How long you will pay it for
If you are unsure how much cover you need, or want guidance on the type of policy to apply for, speak to an independent financial adviser.
Critical illness cover FAQs
How old do I need to be to get critical illness cover?
Most insurers offer cover from 16 years old. Each insurer also limits when you can apply, stating a maximum age, for example 59 years old.
Can I get critical illness cover for my family?
Most insurers offer joint policies for you and your partner, and some offer additional benefits that cover your children. Check each policy to find out.
Can I get cover if I already have a medical condition?
This depends on the condition you have. Speak to each insurer to see if they can offer you cover with the exception of your condition.
Is critical illness cover the same as life insurance?
No, it only pays out when you are diagnosed with a condition in your policy, unlike life insurance which only pays out when you die.
Can I get cover for a hereditary condition?
This depends on the insurer, some may offer you cover with an increased premium, while others may not offer you cover for the specific condition.
About our critical illness cover comparison
Who do we include in this comparison?
How do we make money from our comparison?
We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
You do not pay any extra and the deal you get is not affected.