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Critical Illness Cover

Searching for an honest and trustworthy critical illness plan can often be a lengthy and daunting process. With so many companies to choose from, budgets to work with and boxes to tick, choosing the right company is essential if you or a family member is diagnosed with an illness.

What is critical illness cover?

Critical illness cover is designed to pay out a fixed amount of money if you’re diagnosed with one or more illnesses or conditions on the insurer’s list. This money could be used to support your family if you’re unable to work, pay for specialist medical care or simply spend as you see fit.

Critical illness cover is usually purchased alongside life insurance, where the policy either pays out on diagnosis of a critical illness or upon death (whichever should occur first).

The main features of Critical Illness cover are:

  • It pays out if you you’re diagnosed with an illness on the insurer’s list to the specified severity, progression or conditions
  • It will also pay out if you require treatment or an operation as defined by the insurer
  • It’s often purchased alongside life insurance where the policy will pay out on diagnosis of a specified critical illness or upon death
  • Some insurers require you to survive for a period of time following diagnosis before the policy pays out
  • The most common conditions covered are heart attack, stroke, multiple sclerosis and cancer
  • Children’s critical illness cover is often included

How does it work?

You choose how much cover you would like to pay out if you’re diagnosed with a critical illness. This is known as the ‘sum assured’. You also choose how long you’d like to be covered for. This is referred to as the ‘term’ of the policy.

The amount you pay to the insurer each month for your cover is largely determined by the sum assured, the term of the policy as well as your age, health and lifestyle (including whether or not you smoke).

If you stop paying your monthly premiums, your cover will stop and you won’t receive any money back.

Contact Us Today

If you or a family member are looking for the best critical illness cover, please contact us today on 0800 368 9671 where one of our team can help you obtain the best plan for you.

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Manor Financial is a trading name of Manor Financial Advice Ltd. Manor Financial Advice Ltd is authorised and regulated by the Financial Conduct Authority under registration number 810808. The company is incorporated in England and Wales (no. 07728991)


You will receive £50 Marks & Spencers vouchers once their policy has been completed and in place for a minimum of 6 months.