Can I add critical illness cover to my life policy?
Sometimes, but often not to an existing policy. Many insurers require a new application for critical illness cover, which is underwritten on your age and health now. Some policies allow it to be added as an alteration. You could also take out a separate critical illness policy alongside your life cover. Ask your insurer or adviser.
Separate or combined
A standalone policy pays out independently of your life cover. A combined policy may pay once, on whichever happens first.
Cost
Critical illness cover is usually more expensive than life cover, because claims are more likely during the term.
Check your health questions
Answer all questions fully. Incorrect information could affect a future claim.
This article is general information about UK protection insurance, not personalised financial advice. Policy terms vary between insurers and products, so always check your own policy documents.
Last updated 27 October 2026