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Critical Illness Cover

  • Compare all providers
  • Cheaper than going direct
  • Highly rated service
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Critical Illness Insurance Quotes

Get a quote and use us for your life insurance or critical illness cover and we will give you

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Professional Income Insurance

Decreasing Critical Illness Insurance Quotes

  • The amount of cover will reduce each year.
  • Typically this policy is used for protecting a mortgage or loan that is being repaid on a capital and interest basis.

Level or Increasing Critical Illness Insurance

  • The amount of cover under this type of policy will remain the same throughout the policy term. Unless you have selected a optional automatic increase option.
Income Protection Insurance

Whole of Life Critical Illness

As its name suggests this plan can provide critical illness and life cover with benefits that will last for the whole of your life. So your always protected.



Further information on Critical Illness Cover

What is Critical Illness Cover?

Critical illness cover pays out the sum assured (benefit amount) if you are diagnosed with a specified critical illness that meets the policy claim terms.

Critical illness can be taken out as Stand-alone cover that only pays the sum assured if you are diagnosed with a critical illness that meets the policy definition and then survive for at least 28 days to make the claim valid (some policies are only 14 days). The survival period normally applies to stand-alone critical illness cover or where the death benefit is a different amount from the critical illness benefit. With Stand alone cover on death no benefits are paid.

Critical illness cover can also be combined with life cover so that the cover pays out a lump sum if you either die or are diagnosed with a critical illness that meets the policy definition this is commonly called Accelerated cover.

Stand alone critical illness cover can sometimes be more expensive than accelerated critical illness cover, so its worth getting a quote to compare cost for both options even if you don't need or want the life cover element.

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Are all Critical Illness Policies the Same?

No.Critical illness cover varies in terms of the illnesses that are covered and the terminology that could with one provider mean you have a valid claim and the other you don't.

Most critical illness plans are built around a list of 23 the most common serious conditions anyone may suffer. These conditions are:-

  • Alzheimer's disease
  • Aorta graft surgery
  • Benign brain tumour
  • Blindness
  • Cancer
  • Coma
  • Coronary artery bypass surgery
  • Deafness
  • Heart attack
  • Heart valve replacement or repair
  • HIV infection
  • Kidney failure
  • Loss of speech
  • Loss of hands or feet
  • Major organ transplant
  • Motor neurone disease
  • Multiple sclerosis
  • Paralysis of limbs
  • Parkinson's disease
  • Stroke
  • Terminal illness
  • Third degree burns
  • Traumatic head injury

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Some comprehensive policies will include a list of other, less common conditions, such as:-

  • Angioplasty
  • Aplastic anaemia
  • Bacterial meningitis
  • Cardiomyopathy
  • Creutzfeldt-Jakob disease
  • Diabetes
  • Liver failure
  • Loss of independence
  • Mastectomy definition
  • Open heart surgery
  • Pre-senile dementia
  • Progressive supranuclear palsy
  • Rheumatoid arthritis
  • Severe lung disease

Other policies such as the "Cancer Cover" offered by Virgin only provide cover for TWO critical illness. Supermarkets have for some time been offering critical illness cover Tesco a main player in particular offer critical illness cover that falls short in terms of the illnesses covered compared to the market average.

Another surprise was the UK's number one price comparison website only provided critical illness quotes with 4 companies, Synergy, Aviva, LV= and Legal & General. From a consumer point of view this is a disappointment especially as one of those providers offers below average cover, another two have more exclusions on their critical illness than the norm and the third is the only remaining worthy consideration. However when you then compare price why would you accept inferior cover just to save one or two pounds a month? QuoteMe4 offer comprehensive critical illness cover from the whole market, quote, compare get covered get cash-back why go anywhere else?

To help consumers The Association of British Insurers (ABI) has specified 'model wordings' for the 23 ABI defined conditions (as of April 2006). In addition to these most plans will include cover for other conditions. It is important when considering a critical illness policy that you fully understand the scope of the cover.

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How to Compare Critical Illness Quotes?

Consider:-

  • What illnesses do they cover?
  • The full definitions of the illnesses covered?
  • What are the exclusions?
  • Cost?
Provider
Critical Conditions
Covered
ABI+ Enhanced Definitions
 
Aegon
52
18
Ageas
48
18
Aviva
57
18
Bright Grey
48
12
FriendsLife
51
18
Legal and General
41
15
LV=
64
19
VitalityLife
166
Scottish Provident
45
12
Zurich
48
10

LV= have in the table above been highlighted as they cover 64 critical conditions in their critical illness with life cover plan.

However VitalityLife provide cover for 35 critical conditions. Each of those conditions are then sub-divided so that the claim amount is depending on the severity so that you can receive a lump sum payment of between 10% and 100% of your Serious Illness Cover depending on how severe your illness is. As a result VitalityLife cover 166 conditions (on their comprehensive plan) within 35 specified critical conditions which is unique or 102 critical conditions with their primary cover.

Critical illness - What Other Options are Available?

Options available include indexation, waiver of premium and guaranteed insurability.

Indexation
Each year the sum assured (benefit amount) will increase automatically.

Waiver of premium
You can choose to include Waiver of Premium Benefit. This benefit pays your premiums if you are too ill to work after the waiting period typically 6-months or more as a result of injury or illness.

Guaranteed insurability
It may be useful to have the option to increase the sum assured if you move house or increase the size of your mortgage and often in other circumstances, without further underwriting.

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Critical Illness Cover - Providers

We offer comparative quotes and cash-back for life insurance plus critical illness cover with all the following providers.

  • AEGON Scottish Equitable
  • Ageas
  • AXA
  • Aviva
  • Bright Grey
  • FriendsLife
  • Legal and General
  • Lincoln Financial
  • LV=
  • Prudential
  • VitalityLife
  • Royal Liver
  • Scottish Provident
  • Standard Life
  • Zurich

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Life - Critical Illness cash-back Terms

Use us for your life insurance or critical illness term cover and we will give you cash-back after acceptance of your policy.

  • Cash-back is paid after month four and once you have made the 4th monthly payment.
  • To claim your cash-back you need to complete our Cash-back Claim Form
  • The cash-back is a rebate of our commission. If the policy stops or is altered in way that reduces the commission earned typically within 24 or 48 months of the policy start then any overpayment we have received from the insurer will be repayable and you agree to repay on our request without delay your percentage share based on the percentage paid to you as cash-back.
  • We may delay paying the cash-back until after the commission earnings period if we suspect the policy has been taken out for the sole purpose of acquiring the cash-back with no intent of maintaining the cover.
  • These cash-back terms do not affect your Statutory rights.
  • This offer is applicable to policies with a term of 10 years or longer.
  • We reserve the right to alter these terms at anytime and if we do shall take immediate effect.

Terms updated 10th Apr 2015

Once you have obtained a quote please send us an email with your quote or you can call us on 0800 022 6571 with your quote reference and we can then confirm the cash-back that will apply to your new policy.


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