Critical Illness Cover

What is Critical Illness Cover?

Critical illness cover is an insurance policy that can provide a lump-sum payment if you’re diagnosed with a serious illness. A critical illness policy can be tailored to suit your specific needs to ensure that you can help protect you and your families financial security at the time you need it most. At Boon Brokers, our mortgage and insurance experts provide fee-free, whole-of-market advice to help you find the policy that gives you complete peace of mind.

Fee-Free insurance advice
Whole-of-market access
End-to-end support and guidance
Regulated and authorised by the FCA

Submit an enquiry and await contact from one of our expert fee-free brokers.

Expert Advice

Your broker will listen to your insurance requirements and provide a proposal.

Insurance Submission

Your broker will submit your application and await your policy documents.

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What Conditions Does Critical Illness Cover Usually Include?

A standard critical illness cover will usually protect against a main list of common and serious conditions. This will usually include conditions such as cancer, heart attack, stroke, and multiple sclerosis. It’s important to note that each critical illness cover can vary depending on your chosen provider, and can be further tailored to your needs. Working with a whole-of-market broker like Boon Brokers can help ensure you find a policy that fits your needs. As policies vary, it’s important to work with a trusted insurance adviser to ensure your specific CIC policy matches your exact needs.

Can I Get Critical Illness Cover With Pre-Existing Health Issues?

Absolutely. There are many insurers that will accept applicants with pre-existing conditions. The only difference is that premiums or exclusions may apply depending on your medical history, and so it’s important to check that your policy still matches your needs.

Is Critical Illness Cover Suitable for Self-Employed People?

Definitely. It’s typical for self-employed individuals to often lack statutory sick pay and other employee benefits, and this makes critical illness cover a very valuable addition for those who are self-employed. Should you fall ill and not be able to work, critical illness cover will help provide financial security to cover business costs, personal expenses, and any additional needs.

How Long Does It Take to Get Critical Illness Cover Approved?

Approval times will vary by policy and provider. However, as a general rule of thumb, a critical illness cover can take anywhere between a few days to a few weeks to complete. The process involves reviewing your health, lifestyle, and medical history. At Boon Brokers, our expert mortgage and insurance advisers will help guide you through each step to make your policy approval fast and easy.

Can I Add Critical Illness Cover to an Existing Life Insurance Policy?

Yes, many insurers allow you to add critical illness cover to an existing life insurance policy. In fact, it is much easier to combine insurance policies to have all of your protection under one plan. Alternatively, critical illness cover can be arranged as a separate policy.

What Happens If My Condition Isn’t Covered By My Policy?

If a diagnosis isn’t listed among your policy’s covered conditions, you won’t be eligible for a payout. For this reason, it’s absolutely essential to be careful about your policy and review your policy to ensure the illnesses you want covered are included.

How Does a Critical Illness Payout Work?