Get a lump sum to help with major expenses or medical care
If you fall ill, knowing you've got a financial safety net gives you one less thing to worry about. If you're diagnosed with one of our listed conditions, Critical Illness Cover could help you take care of bills, day-to-day expenses, home adaptations or go towards funding private medical care.
Critical Illness Cover can be added to Life Cover, or taken as a standalone policy. Contact us and we'll get you started by looking at your life protection needs.
What you'll get with Critical Illness Cover
What is and isn't covered?
This isn't a complete list, but we cover a range of conditions, including:
- terminal illness
- cancer - excluding less advanced cases
- heart attack
- multiple sclerosis
- stroke
- alzheimers or dementia
As with all insurance policies, certain terms and conditions, exclusions and limitations will apply.
We won’t cover you within the first 90 days of the policy start date or if you don’t survive for a period of 10 days from the date of diagnosis.
With Critical Illness Cover bought as an add-on to Life Cover, if you cancel your Critical Illness policy or make a successful claim, your Critical Illness policy will end but your Life Cover policy will continue. If you cancel your Life Cover policy or make a successful Life Cover claim, your Critical Illness Cover will end.
If you already have a policy, your existing terms may vary. You can call us on 0345 745 6125 to find out more. Lines are open 08:00 to 18:00, Monday to Friday (excluding bank holidays).
Who can apply?
Critical Illness Cover can be added to Life Cover, or taken as a standalone policy.
To apply for either, you'll need to be:
- a resident of the Channel Islands or Isle of Man
- registered for online or mobile banking (for joint cover, only one person needs to be registered)
For Life Cover:
- you'll need to be between 18 and 88 years old
- cover must end before your 90th birthday
For Critical Illness Cover:
- you'll need to be between 18 and 64 years old
- cover must end before your 84th birthday
As with all insurance policies, terms and conditions, exclusions and limitations will apply.
Ready to apply?
Request a callback
Just give us a few details and we'll call you back to discuss your protection needs.
Call us now
If you'd like to talk to someone now, call us on:
Our lines are open from 07:00 to 21:00 every day.