Critical Illness Cover

What is Critical Illness Cover?

Critical or Serious Illness Cover (sometimes abbreviated to CIC) is an Insurance that ensures you and your family are protected if you fall ill with specific illnesses that prevent you from working, by paying out a lump sum which can be used to cover expenses and monthly outgoings while you take the time you need to recover.

Both Income protection and CIC cover a number of health conditions and these policies may be taken out alongside Life Insurance Policies.

Why do I need Critical Illness Cover?

CIC provides a one-off, tax-free lump sum should you get one of the specific medical conditions or injuries listed in the policy. Common examples of illnesses that are covered include heart attack, certain types and stages of cancer and conditions such as multiple sclerosis. Most of the policies also cover permanent disability as the result of an injury or illness.

You should consider CIC if you don’t have enough savings, if you become seriously ill, injured or disabled or if you don’t have income protection or an employee package that covers you for a long time off work due to sickness. CIC is not Life insurance, although these policies are often sold in combination.


  • Helps cover your outgoings if you become seriously ill and are no longer able to work
  • Fixed premiums mean the cost of your cover will stay the same throughout the life of the policy
  • This product could be of more interest to you if you have no dependents as it will pay out a lump to you rather than beneficiaries after your death
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How it works


You pay a monthly premium based on your age, your job, the amount of cover you need, your health and the wider health of your family.


The policy pays you a single tax-free payment, after your injury or illness has been diagnosed and then the policy ends. Some policies will make a smaller payment for a less severe condition.


You will need to declare any existing medical conditions and may require a medical check before the policy starts.