What illnesses does critical illness cover include?
Every critical illness policy lists the conditions it covers, each with a written definition. The most commonly claimed are cancer, heart attack and stroke. Most policies cover many more, and some pay smaller amounts for less severe conditions. The exact list and definitions vary between insurers, so your policy summary is the place to check.
Definitions matter
A diagnosis alone is not always enough. Many definitions require a certain severity or specific evidence, such as permanent symptoms after a stroke. Some cancers are excluded at an early stage but may qualify for a partial payment.
What is not usually covered
Common reasons for time off work, such as back problems or stress, are not usually critical illnesses. That is one reason some people hold income protection alongside critical illness cover.
Comparing policies
Insurers publish their condition lists and definitions. An adviser can compare them for you, as the number of conditions matters less than how they are defined.
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