Get a critical illness insurance quote from Think Insure

Life insurance can protect your family if you pass away, but what if someone in your family falls ill? Serious illness can have a serious impact on your finances - whether it's a loss of income or caring for a poorly child.

Critical illness cover can provide a payout if you or someone else covered by the policy is diagnosed with a serious illness. This could really help you cover your mortgage/rent and other living costs at a difficult time.

To get a critical illness cover quote, simply fill in the form at the top of this page or call us on 0800 195 2914 (calls from a mobile may be cheaper on 0161 779 5404).

How important is critical illness cover?

This all depends on your personal circumstances - but if you did fall ill and struggled to pay the bills, you could be very glad of the financial help critical illness insurance provides.

In fact, critical illness cover could help you even if you can still afford your living costs. As long as you meet all the criteria for a claim, you'll receive your payout regardless of your other personal circumstances.

Of course, if you have a lot of money in savings, you might not need critical illness insurance. But because it typically pays out a lot more than you pay in, it could be a very cost-effective way of protecting you and your family.

Does it cover an illness I already have?

Many critical illness cover policies don't offer protection for previously known illnesses. For example, if you have diabetes, you may be unable to claim for a diabetes-related illness.

However, you could still claim for a critical illness arising from a condition that you aren't aware of yet.

Am I covered if I'm a smoker?

Yes, provided you tell us. Smokers normally pay a bit more for critical illness cover than non-smokers, but they can receive the same cover as anyone else.

However, do bear in mind that you could reduce your monthly payments by stopping smoking. Most insurers will consider you a non-smoker if you haven't used any tobacco products in the last 12 months. Having said that, if you begin smoking again you must inform your insurer, or your insurance could become invalid.

What counts as a critical illness?

This varies between insurer, but in general you'd be covered for things like heart attack, cancer, Alzheimer's Disease, Parkinson's Disease, blindness and many more (provided you weren't aware of any of these conditions prior to taking out the policy). If you want to know exactly what critical illnesses our insurance providers cover, give us a call on 0800 195 2914 (calls from a mobile may be cheaper on 0161 779 5404).

Can I get combined life insurance and critical illness cover?

Yes. Lots of insurers offer both life insurance and critical illness insurance together, and it could give you and your family a great deal of financial protection.

If you're looking for combined life insurance and critical illness cover, just fill in the form at the top of the page or give us a call.