Critical Illness Cover

Cover when you need it most

Critical Illness Cover 

Critical Illness Cover pays out a tax-free lump sum if you're diagnosed with a serious medical condition covered by your policy.

It’s designed to give you financial security at a difficult time, so you can focus on your health and recovery, without the added stress of money worries.

Critical Illness Cover usually provides protection against a range of serious medical conditions, including:

  • Cancer (including many of the most commonly diagnosed types)

  • Heart attacks and strokes

  • Multiple sclerosis (MS)

  • Parkinson’s disease

  • Organ failure or the need for a transplant

  • Loss of limbs or loss of sight

  • Motor neurone disease

  • Benign brain tumours

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How Does Critical Illness Cover Protect You?

  • Two hands holding each other, one with a wedding ring. The hands are close-up, showing skin texture and shadows.

    Medical Bills & Treatment

    A serious illness often comes with unexpected medical costs that can quickly add up, whether it’s specialist treatments, private consultations, or medications not fully covered by the NHS.

    Having this financial support means you can access the best care available without worrying about how to pay for it, helping you focus on recovery instead of finances.

  • A couple walking barefoot on the beach, holding hands, near the ocean with waves and a cloudy sky in the background.

    Replace Lost Income

    Being diagnosed with a serious illness often means taking time off work or sometimes being unable to work altogether.

    This financial support of a tax-free lump sum can help you cover everyday expenses like mortgage payments, bills, and groceries, so you don’t have to worry about money while focusing on your recovery.

  • A woman in a gray shirt embracing a woman in a pink shirt and white headscarf, with a comforting expression.

    Lifestyle Adjustments

    A serious illness can sometimes require changes to your daily life, whether it’s modifying your home to improve accessibility, hiring professional care, or investing in equipment to aid your recovery.

    Critical Illness Cover provides a tax-free lump sum that you can use to make these necessary lifestyle adjustments, helping you maintain your independence and quality of life during a challenging time.

FAQ’s

Why Is Critical Illness Cover so important?

Facing a serious illness can be overwhelming - not just physically and emotionally, but financially too. Critical Illness Cover provides a vital safety net by paying out a tax-free lump sum if you’re diagnosed with a covered condition, such as Cancer, Heart Attack, or Stroke.

Without this cover, you or your family might struggle financially at a time when you need support the most. It’s about protecting your health and your financial wellbeing - so you can concentrate on what really matters… getting well.

How much cover do I need?

This depends on your financial responsibilities—such as your mortgage, income, and family needs. As advisers, we can help assess your situation and recommend the right level of cover.

How can Critical Illness Cover support my family if I become seriously ill?

A diagnosis of a critical illness can affect not just you, but also your family. Critical illness cover can provide the financial support needed to ease the burden on your loved ones, ensuring they can continue with their lives without the added stress of managing finances at a difficult time.

How is it different from life insurance?

Life insurance pays out when you die.
Critical Illness Cover pays out while you're still alive if you’re diagnosed with a serious illness covered by the policy.

How We Can Help You

Kingsbrook Finance

The level of cover and the specific conditions covered can vary significantly between providers.

As expert advisers, we’re here to help you navigate the options and find the policy that best suits your individual needs and circumstances.

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A close-up of two people holding hands, one person's hand is smaller and more delicate, while the other's is larger and more aged, set against a background of a hospital gown with a small pattern of glasses, and a blue hospital sheet with lace trimming.
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