This is a list of all critical illness insurance companies.
You can visit each insurer's website to view policy details and get quotes. How our site works.
LV= Critical Illness Cover
Maximum Cover
£3,000,000 for up to 59 Conditions
Maximum Term
40 years or 69 years of age
Maximum Age for New Cover
64 years
LV = Critical Illness: Ensure peace of mind with LV’s Life Insurance with critical illness, cover available for UK residents aged 17-59, and costs from £5 a month.
Quotezone Critical Illness Cover
Maximum Cover
varies
Maximum Term
-
Maximum Age for New Cover
varies
This is a comparison website.
AEGON Critical Illness Cover
Maximum Cover
£3,000,000 for up to 52 Conditions
Maximum Term
50 years or 84 years of age
Maximum Age for New Cover
74 years
AIG Direct Critical Illness Cover
Maximum Cover
£100,000 for up to 3 Conditions
Maximum Term
62 years or 80 years of age
Maximum Age for New Cover
73 years
Aviva Critical Illness Cover
Maximum Cover
£3,000,000 for up to 55 Conditions
Maximum Term
50 years or 90 years of age
Maximum Age for New Cover
64 years
BHSF Critical Illness Cover
Maximum Cover
£25,000 for up to 8 Conditions
Maximum Term
57 years or 74 years of age
Maximum Age for New Cover
64 years
Bright Grey Critical Illness Cover
Maximum Cover
£3,000,000 for up to 50 Conditions
Maximum Term
50 years or 84 years of age
Maximum Age for New Cover
69 years
Connells Critical Illness Cover
Maximum Cover
£3,000,000 for up to 67 Conditions
Maximum Term
40 years or 69 years of age
Maximum Age for New Cover
59 years
ESMI Critical Illness Cover
Maximum Cover
£50,000 for up to 8 Conditions
Maximum Term
42 years or 60 years of age
Maximum Age for New Cover
55 years
Foresters Critical Illness Cover
Maximum Cover
Unlimited Cover for up to 22 Conditions
Maximum Term
49 years or 64 years of age
Maximum Age for New Cover
59 years
Friends Life Critical Illness Cover
Maximum Cover
£3,000,000 for up to 67 Conditions
Maximum Term
40 years or 69 years of age
Maximum Age for New Cover
59 years
This insurance isn't available direct, you need to apply via a broker.
Holloway Friendly Critical Illness Cover
Maximum Cover
£100,000 for up to 1 Conditions
Maximum Term
-
Maximum Age for New Cover
69 years
HSBC Critical Illness Cover
Maximum Cover
£1,000,000 for up to 17 Conditions
Maximum Term
47 years or 69 years of age
Maximum Age for New Cover
64 years
Legal & General Critical Illness Cover
Maximum Cover
£3,000,000 for up to 41 Conditions
Maximum Term
40 years or 69 years of age
Maximum Age for New Cover
64 years
Nationwide Critical Illness Cover
Maximum Cover
£3,000,000 for up to 41 Conditions
Maximum Term
40 years or 69 years of age
Maximum Age for New Cover
67 years
NFU Mutual Critical Illness Cover
Maximum Cover
£500,000 for up to 23 Conditions
Maximum Term
35 years or 69 years of age
Maximum Age for New Cover
64 years
Old Mutual Wealth Critical Illness Cover
Maximum Cover
£1,200,000 for up to 68 Conditions
Maximum Term
Whole of Life
Maximum Age for New Cover
67 years
Prudential Critical Illness Cover
Maximum Cover
£3,000,000 for up to 166 Conditions
Maximum Term
50 years or 69 years of age
Maximum Age for New Cover
64 years
Sainsbury's Bank Critical Illness Cover
Maximum Cover
Unlimited Cover for up to 41 Conditions
Maximum Term
-
Maximum Age for New Cover
64 years
Scottish Provident Critical Illness Cover
Maximum Cover
£3,000,000 for up to 43 Conditions
Maximum Term
40 years or 85 years of age
Maximum Age for New Cover
69 years
This insurance isn't available direct, you need to apply via a broker.

We provide an independent comparison service free of charge but we may receive a commission from some of the companies we refer you to. These are indicated with purple buttons.

Critical illness cover explained

We take a look at key policy features to help you choose the best critical illness plan for your situation.

Critical illness statistics tell us that 1 in 4 women and 1 in 5 men will be affected by a serious illness before retirement.

This means it can make real sense to protect yourself financially, particularly if you have ongoing commitments such as a mortgage or dependants.

Depending on the illness, you could face long periods off work or find yourself unable to care for your children as you normally would - particularly damaging if you're self employed. So, financial protection could be vital:

Critical illness insurance cover

Critical illness policies payout to help you and your family manage household finances during your illness.

Therefore it's important that you understand how they work and compare critical illness cover UK wide to get the best policy.

Critical illness cover only pays a fixed lump sum if you are diagnosed with one of the illnesses listed on the policy documents. They generally cover a comprehensive list of illnesses that includes heart attack, liver and kidney disease as well as many others.

Life and critical illness cover gives you a combination of life insurance and critical illness protection in one policy. If you're looking at this as an option you should treat the two parts of the policy as separate cover and ensure you get appropriate protection with each.

How to find cheap critical illness cover policies

The first thing to do is look at what you and your family would need from a lump sum critical illness payment. Consider your personal debts and any significant money owed, plus day to day living expenses.

For straightforward mortgage critical illness cover you should look for a cover level that will pay off your remaining balance in the event you need to claim. For more comprehensive critical illness cover, match the payout to both your long term and day to day financial commitments.

Once you've decided what you need from a plan financially, consider your current health and circumstances. If you have existing conditions you'll need to declare them on your policy, and you won't then be covered if they reappear.

You should also take into account any illness exclusions, per policy. For example, certain types of cancer or specific conditions may not be covered, and each provider will have its own list of excluded illnesses.

In some cases you may be able to add particular conditions in to your policy; with other insurers the cover will be non-negotiable. For conditions such as heart attack, your cover may only payout if it's severe enough according to your policy document.

Bear in mind that the level of cover you choose will have a direct impact on price. For example, illness insurance for doctors and nurses may charge higher premiums to include cover for HIV, due to the risks associated with their profession.

Finally, note that different policies may payout upon diagnosis, once you've lived with the condition for a certain period, or only once you exhibit permanent and/or irreversible symptoms. Make sure you're happy with all terms and conditions before you apply.

Once you've decided what type of policy and what cover level you want, use our critical illness cover comparison table to find appropriate policies with the scope to cover a suitable range of illnesses.

Then, you can approach each provider in turn and compare rates to combine the cheapest and best critical illness cover quote online.

More information on Critical Illness Cover

Featured guide

How to find the best critical illness cover

Being unable to work due to illness can be frustrating, but if it can also have financial repercussions. Critical illness insurance can provide peace of mind that you're financially protected should you unexpectedly fall ill - here's how to get the best.

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Critical Illness Cover Companies