Critical Illness Cover
personalPays a tax-free lump sum if you are diagnosed with a specified critical illness — typically cancer, heart attack, or stroke. Provides financial cushion during recovery.
GeraSure is a comparison and referral service. Insurance products are provided by FCA-authorised or equivalent regulated insurers in each jurisdiction. GeraSure does not underwrite insurance policies and does not provide financial advice. Always read the policy wording before purchasing.
Typical Annual Premium
£200 – £1,200per year
Premiums depend on your risk profile, coverage level, and insurer. Get a personalised quote.
What's Covered
- ✓Cancer (most types)
- ✓Heart attack
- ✓Stroke
- ✓Multiple sclerosis
- ✓Organ failure and transplant
- ✓50+ critical conditions depending on policy
Key Exclusions
- ✕Conditions not on the specified list
- ✕Pre-existing conditions
- ✕Non-invasive cancers (check exact terms)
- ✕Survival period requirement (typically 14 days post-diagnosis)
How to Make a Claim
- 1
Submit claim with consultant's diagnosis letter confirming the condition meets policy definition
- 2
Insurer reviews medical evidence — straightforward claims pay within 10 working days
- 3
Lump sum paid to policyholder (tax-free)
Available In
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Get a Free QuoteFrequently Asked Questions
Is critical illness cover the same as life insurance?
No — critical illness cover pays out on diagnosis of a specified serious illness while you are still alive. Life insurance pays out on death. Both are complementary — critical illness provides funds for living costs and adaptations during recovery.