What is critical illness cover?
Critical illness cover pays a tax-free lump sum if you are diagnosed with a serious illness listed in the policy, such as many cancers, heart attack or stroke, and the condition meets the policy's definition. The money can be used however you choose, for example to cover lost income, adapt your home or pay for treatment.
How it differs from life cover
Life insurance pays on death. Critical illness cover pays while you are alive, on diagnosis.
Definitions matter
Each condition has a written definition. Some require a certain severity.
Standalone or combined
It can be a separate policy or combined with life cover.
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